Taking the first step in your mortgage journey can be daunting, but we’re here to make the process as straightforward and stress-free as possible. At IPF, we work for you, not any one institution.
Turn your dream of home ownership into a reality.
Looking to upgrade? We can guide you through the process.
Discover the benefits of switching your existing mortgage.
Find out how we can help simplify your self-build journey.
Expert, impartial advice specific to public sector employees.
Access to potentially lower interest rates through various lenders within the Irish market.
One point of contact to guide you through our simplified mortgage process.
A one-stop shop for all of your financial planning needs.
“I recently had the pleasure of having IPFs Mortgage Team support me with purchasing a house, a notoriously stressful time. From our first meeting, they took the time to understand my goals and support me through the process.”
Rebecca
“I’ve had good experiences with IPF across a few different products. Shannon Moran helped me set up an AVC, and then later I went through IPF for my mortgage, with Ryan Flood helping me most recently. They then helped me arrange mortgage protection. Everything has gone smoothly, with good communication and quick answers from everyone at IPF. Highly recommend!”
David
“The IPF Mortgages Team was great to work with, provided us all information needed and walked with us in our journey to buy new house. Highly recommended.”
Manoj
“If I could give more than 5 stars I would! From the first phone call to the last signature, IPF helped us every step of the way with our mortgage switch. They made everything easy and were available whenever we needed. I’d highly recommend Irish Pensions and Finance.”
Sue
“I recently switched Mortgage Provider. IPF helped me secure a new term that better suited my financial needs, kept me up to date at all stages and the whole process was straightforward. Highly recommend.”
Emma
“Myself and my husband were trying to remortgage and move up the property ladder. The IPF team talked us through options and helped with the application and were able to secure us enough that we could afford our new family home. Very helpful and knowledgeable.”
Elaine
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We’ll talk you through your options
We’ll go to lenders on your behalf
Receive your mortgage approval!
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Alternatively, you can contact us by phone or email.
This a proportion of the house value, so the deposit amount will depend on the price of the property you want to buy.
In Ireland you’ll need a deposit of at least:
Valid as of January 2025.
With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between the lender and borrower.
A variable rate mortgage is a rate that can vary during the life of the mortgage. If interest rates rise, the monthly payments will increase.
LTV stands for ‘loan to value’, which simply means how the size of the loan compares to the overall value of the property. For example, if the property value is €200,000 and the loan is for €150,000, then the LTV is 75%.
It is a mortgage broker’s job to make your home buying journey as stress-free as possible. We have access to a wide range of lenders and will help you choose the best deal for your situation. We will liaise directly with the lender on your behalf and be with you every step of the way until you get the keys to your new home.
If you would like to start your application, or want to know more about the process, you can contact our mortgage team on the below.
Call our Mortgage Advisor, Ryan Flood, on: 087 235 1678 Or email Ryan directly at: ryan.flood@ipf.ie.
Warning: If you do not keep up your repayments you may lose your home Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Warning: You may have to pay charges if you pay off a fixed-rate loan early. Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term. Warning: The cost of your monthly repayments may increase. Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.
