Is your pension structure eligible?
Self-directed PRSAs and Personal Retirement Bonds may be considered where the provider, trustee and lender permit direct property and borrowing.
Review eligibilityPension property explained clearly
Could your pension help fund an investment property?
Learn how an eligible self-directed pension may combine existing funds with specialist borrowing to purchase a residential investment property in Ireland.
Education first. Personal advice and lending approval are separate steps.
Investment use onlyThe property cannot be for personal occupation.
Pension ownershipRent and sale proceeds return to the pension.
Individual assessmentTrustee, lender and pension rules all apply.
Start with the essentials
Three questions before you look at property
A pension mortgage is a specialist retirement investment, not a standard buy-to-let mortgage.
Is there enough liquid cash?
The pension normally needs at least half the price, all purchase costs and a prudent reserve for repayments, vacancies and repairs.
Estimate the cash needDoes the investment stand up?
Test rent, running costs, interest-rate increases, vacancy, concentration risk and the need for liquidity at retirement.
Understand the risksWorked example
A €500,000 residential property
With a €250,000 pension-funded deposit, a €250,000 mortgage over 15 years at 5.90% gives an indicative monthly repayment of about €2,096.
Change the assumptions- Expected annual rent: €36,000
- Illustrative annual running costs: €7,200
- Indicative annual mortgage repayments: about €25,154
- Indicative annual surplus: about €3,646 before tax and unplanned costs
- Suggested six-month reserve: about €16,177
A coordinated process
From pension review to property purchase
Start the pension and borrowing review before bidding on a property.
Review the pension
Confirm the arrangement type, value, retirement timeframe, transfer implications and trustee requirements.
Test the borrowing
Assess LTV, term, rent cover, liquidity, property criteria and the lender’s current appetite.
Complete due diligence
Coordinate valuation, legal review, survey, insurance, trustee approval and lender underwriting.
Ready to discuss a real case?
Request a meeting with a broker to review your pension type, intended property and the information needed for an initial assessment.
Book a broker meeting