Expat Mortgage - Ireland
Ireland - Dublin in particular - hosts a large British expat community, particularly given the tech multinationals (Google EMEA, Meta EMEA, Apple Europe, Amazon EMEA) that have established European headquarters there.
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- Fill in the form (2 minutes).
- We'll match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your options.
UK mortgages from Ireland
The Republic of Ireland is an EU member state, so CRD VI applies - Skipton International withdrew from Irish-resident applications in March 2026. The close UK-Ireland relationship and EUR income's favourable treatment make HSBC Expat and Molo Finance solid alternatives.
The options available
Post-CRD VI Lender Options for Ireland
HSBC Expat and Molo Finance are the primary alternatives for Irish-resident expats post-CRD VI. The UK-Ireland Common Travel Area and close bilateral relationship do not affect lender eligibility - Ireland is an EU member for CRD VI purposes.
EUR Income - Favourable Treatment
EUR income from Dublin's tech multinationals is well-accepted by specialist UK expat lenders. 10-20% haircut applied. Dublin tech salaries are high - the EUR haircut rarely removes affordability for tech professionals.
Dublin Tech Multinationals
Google EMEA HQ, Meta EMEA, Apple Europe, Amazon EMEA, Microsoft Ireland, LinkedIn, Twitter/X Europe - all major employers in Dublin with UK expat staff. USD or EUR salaries from these employers are well-recognised.
USD Income from US Tech Companies
Many Dublin-based tech multinationals pay USD-denominated salaries or total compensation packages - stock (RSUs) in USD is common. USD income receives a 5-15% haircut - more favourable than EUR. The brokers we work with advise on how to present USD vs EUR compensation.
Financial Services - Dublin IFSC
Dublin's International Financial Services Centre (IFSC) hosts HSBC, Citigroup, Goldman Sachs, JPMorgan, and other financial services employers. EUR and USD income from IFSC employers well-accepted.
RSU and Stock Compensation
Tech employee RSU (Restricted Stock Units) income - common at Google, Meta, Apple - can sometimes be included in affordability assessments by specialist lenders. The brokers we work with advise on how to present RSU compensation to the most appropriate lender.
How We Help
CRD VI position confirmed
Ireland is EU - Skipton unavailable. HSBC Expat and Molo Finance alternatives confirmed.
Income: EUR vs USD
EUR or USD income from Dublin employer confirmed. USD earners have a slight advantage.
Documentation
Irish payslips, AIB/Bank of Ireland/Ulster Bank statements, employer letter in English, passport.
Completion
Remote management. GMT/IST timezone.
Speak to our international mortgage specialists
Call 0204 6211776 · Introductions to specialist expat brokers · All expat locations
For current pricing, lender appetite and how income is assessed, see our guide to expat mortgage rates for Ireland residents.
Frequently asked questions
Does the UK-Ireland Common Travel Area affect my mortgage options?
No - for UK expat mortgage purposes, Ireland is treated as an EU member state. The Common Travel Area (CTA) affects freedom of movement and right to work, not mortgage lender eligibility. Skipton International's CRD VI withdrawal applies to Irish-resident applicants regardless of the CTA.
I work at Google Dublin - how is my stock/RSU income treated?
RSU (Restricted Stock Unit) income is variable and requires specialist assessment. The vesting schedule, the USD value at vesting, and the consistency of RSU awards over 2+ years all affect whether and how lenders include RSU in affordability calculations. Specialist lenders with tech employer experience are the appropriate route. The brokers we work with advise on the best approach for RSU income presentation.
Can I get a UK mortgage from Dublin with EUR income?
Yes - HSBC Expat and Molo Finance both remain active for Irish-resident applicants. EUR income is well-accepted with a 10-20% haircut. Dublin tech salaries are typically high enough that the haircut does not significantly impact affordability.
What Irish bank statements do UK lenders accept?
AIB (Allied Irish Banks), Bank of Ireland, Ulster Bank, PTSB (Permanent TSB), KBC Ireland (transitioning), and international banks operating in Ireland (HSBC, Citibank, Deutsche Bank). Six months of statements showing regular salary credits.
My existing Skipton mortgage expires next year - I live in Dublin. What should I do?
Start remortgage planning immediately. Skipton cannot offer you a product transfer or new rate as an Irish resident. HSBC Expat and Molo Finance are the primary alternatives. Contact us and we will introduce you to a specialist broker who can compare both and manage the transition. Six months before expiry is the ideal starting point.