Buying Property in Ireland as An Expat

As an expat, are you considering the purchase or sale of real estate in Ireland? The magnificent landscapes, breathtaking cityscapes, and affordable real estate in Ireland consistently place the nation towards the top of lists of the best places to live abroad.

The Emerald Isle stands out for numerous reasons, not the least of which being the variety of its landscapes and man-made structures. Whether you like the seaside or the countryside, Ireland has several options for homebuyers.

Ireland is a popular expat destination because of its beautiful landscapes and because it boasts one of the most cheap housing markets in the world. Therefore, whether you’re looking for a place to settle down to work, attend school, or retire, Ireland is a fantastic option.

If you’re planning a move to Ireland in the near future, familiarising yourself with the ins and outs of the Irish real estate market will help ease the stress of buying a house in a foreign country.

To help you get started, we’ve included details on the purchase procedure and any other aspects of Irish real estate transactions that non-residents should know.


Can a Person Who Is Not a Resident of Ireland Buy Real Estate There?

It is usual for people thinking about moving abroad to worry about buying a house there, so it is wise to research any restrictions that may be in place. Those who are considering buying property in Ireland will be delighted to know that their current location does not restrict them from doing so.

Although anybody can own real estate in Ireland, that doesn’t make them eligible to permanently reside there. Anyone living outside the UK, EU, or Switzerland who is interested in making a purchase there may have trouble getting a visa.

Concerns about Brexit’s long-term repercussions are likely shared by those who are thinking about leaving the UK. Brexit has made it more difficult for Britons to migrate overseas, but those headed to Ireland shouldn’t have any problems settling in.

Finally, you need to be aware that a PPS is mandatory in Ireland if you intend to purchase real estate there. IPSN means Irish Individual Public Service Number. A Personal Public Service (PPS) number, which acts as a taxpayer ID and is similar to a UK national insurance number, is required to lawfully reside in Ireland.

For further information on the PPS application process, you should speak with an Irish attorney.


 What is the current status of the Irish real estate market like?

As we noted before, despite the current epidemic, the Irish real estate market is one of the cheapest and fastest growing in the EU. The real estate market in Ireland has been quite steady over the past few years, with prices rising slowly but steadily and a good level of buyer interest.

It is an excellent moment to sell real estate in Ireland, and there are many great locations to choose from. But much as in many European nations, competition for the home of your dreams may be tough; if there is a particular property you have your eye on, you should be prepared to act quickly.

Irish houses range from the ultra-convenient and ultra-modern to the stately and elegant manors of the Georgian era. Homebuyers in Ireland, in a nutshell, have a lot of alternatives to choose from.

Irish real estate prices vary by location, so it’s important to have a ballpark figure in mind before you begin your search. Apartments in the prime locations of Irish cities cost on average as follows per square metre:

Dublin: €145,000–€370,000

Price in Euros:

  • €135,000 for Cork;
  • €240,000 for Dublin;
  • €105,000 for Limerick

In the neighbourhood of €90,000.- in Waterford

How does one begin the procedure of buying a house in Ireland?

Assessing your current financial situation is the first step in buying a house anywhere in the world. You must have sufficient savings for unexpected events and a reliable income to support your normal bills and monthly mortgage payment.

foremost things foremost, make a budget and evaluate your current financial situation. This involves submitting a mortgage application in Ireland in order to guarantee a loan. You may use this information to set a realistic budget for your first property hunt.


If you’re thinking about buying a property in Ireland, our mortgage guide is full of useful information. We can also suggest some overseas mortgage brokers you might like to contact. They are eager to offer advice on home-buying strategies and international financing programmes.


Almost no one can purchase a home in Ireland without first securing an Irish mortgage. For this reason, securing an Irish mortgage is crucial.

However, before you begin the mortgage application process, you should begin looking into real estate brokers in your preferred communities.

You may be able to see a few of the properties you’re interested in online if you find a few that catch your eye, but it’s best to see them in person to get a true sense of the place.

After discovering a house you want to buy, the following step is to make an offer to the seller. If they are amenable, then you will need to locate a Commissioner of Oaths to witness the signing of the contract and set up a booking deposit with your real estate agency.

Considerations for an Irish Property Search

If you’re searching for a home in Ireland and have questions about the legitimacy of any estate agents you come across, you may check with the Property Services Regulatory Authority. Any real estate agency that appears on this site’s list of registered agencies is likely to be reputable.

In addition, think about contacting an Irish solicitor to assist you with the numerous legal formalities associated with buying property in Ireland. Similar to Irish estate agents, you may use the Irish Law Society’s website to find reputable local solicitors.

Finalising a purchase requires the presence of a Commissioner of Oaths for the signing of any legal documents. If you are not familiar with the term “notary,” this individual is required to be present since they are the Irish equivalent.

How much does it cost to buy a house in Ireland?

Buying a property in Ireland is a significant financial commitment, and before you sign on the dotted line, you should have a complete picture of all of the expenditures involved.


You will have to foot the bill for a number of expenses associated with the purchase of your new house, including but not limited to legal fees, the Commissioner of Oaths’ fees, property insurance, and any stamp duty that may be due on the deed. A real estate agent will want a booking deposit before scheduling any showings.


In addition, you’ll have to pay for a survey of the land. This is not necessary, although it may save money in the long run if faults are detected.


The following is a breakdown of potential expenses:

  • Fees for legal counsel might be a flat rate or a proportion of the property’s sale price. On average, they add up to €900 (or 1% of the value of the house) + VAT.
  • The typical fee for a mortgage appraisal is between €150 and €200.
  • The stamp duty will be one percent of the property’s total value.
  • The price of a search may change based on the real estate agent you work with. The going rate is about €150.
  • Land registry fees will vary based on the location of the property you choose.
  • Costs for using a notary will be determined by the rates established by the Commissioner of Oaths you select.
  • The survey’s final price will depend on factors including the specified degree of information and the surveyor’s level of experience.

Getting close to the finish line on a purchase

Having a property surveyed comes after taking it off the market and making it ready to sell. A buyer who doesn’t inquire about any issues in the property may find up paying more for it down the road if they need to be rectified, even though a survey isn’t required by law.

You should hire an expert to inspect the home for any hidden defects and maybe negotiate a lower price with you before making the final payment.

Once this survey is complete, you may move on with securing a mortgage and arranging homeowner’s insurance. If you want to get authorised for a mortgage in Ireland, your mortgage solution must contain homeowners insurance.

After these procedures, if both parties are satisfied, the contract of sale can be signed in the presence of a Commissioner of Oaths.

At the end of the contract period, you will receive your final payment and the property will be returned to you. Payment in full of the purchase price agreed upon is due on this date so that your lawyer has time to finalise the papers necessary for delivery of the goods.

A Deed of Conveyance handles the property’s legal status once a Requisitions on Title inventory check has been completed.

In addition, they will make that the seller is the legitimate owner of the property and that no liens or judgements have been entered against them.

After this is done, your attorney will get in touch with your mortgage lender and file an application for loan approval. You will receive the keys to your new house once the seller’s attorney has received the full purchase price.

Some Extra Considerations for Irish Property Purchases

Although the procedures described above are simple, there are a few nuances to bear in mind before, during, and after a transaction that will help you avoid typical blunders.

The first step once the transaction has concluded is to register the property with the Registry of Deeds or Land Registry. It’s not a complex issue, therefore your lawyer should be able to help you out.

Second, if you become unable to sign legal documents, you can grant your lawyer the authority to do so on your behalf.

Last but not least, if you sign a sales contract but then change your mind about buying the house, it will be tough to get your money back.

With this information in hand, looking for a home in Ireland should go smoothly. A qualified lawyer and a trustworthy foreign mortgage lender can assist smooth over any snags you may experience during the home-buying process.

We have a variety of information about popular expat destinations all around Europe and beyond, which you can discover on our other blog sites.

We also provide a plethora of information about the nuances of expat living. If you want to learn more, you may read some of our other posts or download one of our free guides.


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