Can I use my pension to buy property in Ireland?
An eligible pension arrangement may be able to purchase residential or commercial investment property. The approved structure, trustee, pension rules and transaction must all be acceptable.
Can I live in the property?
No. It must be an investment asset. You, your family and other connected persons cannot use it as a home or holiday property.
Can every pension borrow?
No. Borrowing is available only through certain arrangements and providers. Direct property ownership and borrowing are separate eligibility questions.
Who receives the rent?
Rent is paid to the pension arrangement, not to you personally. It may meet mortgage repayments and permitted property costs.
How much can be borrowed?
There is no universal amount. Published specialist criteria currently indicate up to 50% LTV, with the final amount depending on the pension, rent, retained cash, property and underwriting.
What happens if the property is vacant?
The pension must continue to meet repayments and costs. Conservative rent assumptions and a liquid reserve are essential.
Can an ARF take out a pension mortgage?
An ARF may be able to buy property using existing cash where its provider permits it, but new borrowing is generally not available within an ARF.
What happens at retirement?
Options depend on the pension structure and the route chosen. The mortgage may need to be repaid, and any receiving post-retirement provider must accept the property.
How long does the process take?
It involves more parties than a standard mortgage: pension provider, trustee, lender, solicitor, valuer and sometimes property manager. Starting the structure and borrowing review before bidding can reduce delays.
Is the calculator an approval?
No. It is an educational illustration only and cannot confirm pension suitability, trustee acceptance or lender approval.
Have a question about your own pension?
Request a broker meeting and include the pension type, approximate value and proposed property details.
Book a broker meeting