New Buy-to-Let Lender in Ireland: Lower Rates for Experienced Landlords

If you’re an experienced landlord in Ireland comparing buy to let lenders, there is a new option worth paying attention to.

A new specialist buy-to-let mortgage lender has just entered the Irish market, offering some of the most competitive rates currently available.

For experienced landlords, this opens a new opportunity to reduce costs. Landlords can now, refinance existing properties, or expand a portfolio with lower mortgage interest rates.

In this article, I’ll walk you through what this new lender offers, who it’s for, and why it could make a big difference to your property portfolio.

A new option among buy to let lenders in Ireland

Capital flow has launched a new buy to let mortgage product aimed specifically at experienced landlords. The lender is undercutting the main Irish Banks by up to 1% with residential Buy to Let mortgage interest rates starting from 4.4% <50%LTV.
(rates correct at 02/04/2026 and subject to change)

You won’t find this option on comparison sites or by walking into your local bank. This new buy to let mortgage offering is only available via select mortgage brokers like MortgageLine.

This makes broker guidance even more important when comparing buy to let lenders and understanding which option fits your situation. Who is this buy-to-let mortgage for?

This product is designed for experienced landlords who currently have at least one buy to let property rather than first-time investors. The focus is squarely on seasoned landlords who have one or more properties already under their belt.

It might suit you if you:

• Own at least one rental property
• Are managing multiple units already
• Have a solid history of borrowing and letting

If you are newer to property investment you might want to read beginners guide to becoming a landlord.

If you’re in the business of growing your property portfolio or refinancing existing debt, this could be a game changer. Especially in today’s market, where squeezing extra value from your investments can make all the difference.

What can you use this product for?

This buy to let mortgage is flexible enough to cover both new residential property purchase and refinancing:

• Purchasing another buy-to-let?
  You’ll get market leading mortgage interest rates and solid leverage for the next addition to your portfolio.
• Remortgaging an existing property?
  This is where things get interesting. You could:
  • Cut your interest rate (by more than 1%)
  • Raise equity for renovations or upgrades
  • Restructure your lending in a way that suits you.

Whether you’re eyeing a fresh kitchen, energy-efficient upgrades, or a full reconfiguration, having the funds to invest in your rental can boost your rental yield and property value over time.

Capital flow also offers a further green discount of 0.10% off their already market leading rates.

Key product highlights at a glance

Let’s break down the key features of this new buy to let mortgage is offering:

• Loan sizes: €100,000 to €5 million
• One loan per property (no bundling)
• Maximum exposure: Up to €5 million per borrower
• Loan terms:
  • Up to 5 years interest-only
  • Up to 30 years capital & interest

So, whether you’re running an interest-only strategy or planning to hold long-term and chip away at the capital, it’s a flexible fit.

Loan-to-Value (LTV) and leverage (LTC)

As any landlord knows, LTV is king when it comes to funding potential. Here’s what this lender is offering:

• Max LTV: Up to max 70%
• Max LTC (Loan-to-Cost): Up to 95%, covering:
  • Purchase price
  • Transaction costs
  • Renovation works (where relevant)
  • Subject to Max 70% of current value

You can also use your earned income to supplement property rental income to help get the mortgage amount you need.

What about fees and costs?

For a limited time only arrangement fees are waived during the initial product launch.

• Arrangement fees:
  Waived for a limited period. On bigger loans, this alone can save you thousands.
• Valuation fees:
  Typically range from €275 to €1,000, depending on how many units you’re valuing. These are valid for six months, which gives you breathing room to finalise the mortgage and purchase.
• Legal fees:
  Expect to pay around €1,750 + VAT and outlay on the lender’s side.

As always, at MortgageLine we’ll provide a full cost breakdown upfront.

What types of property and where? Property types and eligible locations in Ireland

This lender is focused on mainstream residential investments (no commercial lending)

• Residential properties only (houses and apartments)
• No commercial properties
• Available in specific location zones:
  • Zone A:
    Dublin, surrounding commuter counties, and metro areas of Cork, Limerick, Galway
  • Zone B:
    Larger urban centres with populations over 10,000
  • Zone C:
    Smaller urban areas of 5,000+

Not sure what zone your property falls under? No problem. We can check it for you as part of your free review call. Learn More about Buy to Let Mortgages

Why this is important for landlords in 2026

Let’s be honest: it hasn’t been the easiest time for landlords. Rising interest rates, tighter regulation, and higher operating costs have all played a part in shrinking margins. That has made choosing between buy to let lenders more important than ever.

So, when a new lender enters the market offering:

• Rates from 4.4%
• A full 1% below existing mortgages on offer
• And a waived arrangement fee during launch

…it’s the kind of fresh opportunity that could make a real impact.

Even that 1% difference in rate can lead to:

• Lower monthly repayments (save €1,000 for every 100k borrowed)
• Healthier cash flow
• Stronger long-term investment returns

Of course, mortgage rate alone doesn’t make a product perfect. It still needs to align with your strategy, tax position, and long-term goals. But that’s exactly what we’re here to help you figure out.

How MortgageLine can help

Whether you’re planning to grow your portfolio, refinance for a better deal, or release funds for improvements, we can help you make the most of this opportunity.

At MortgageLine, we’ll:

1. Review your current property portfolio and lending.
2. Check your eligibility for this new lender and others.
3. Run the numbers to highlight potential savings and increased borrowing power.
4. Guide you step-by-step through the application, valuation, and legal process.

MortgageLine is here to help you make confident, strategic decisions that grow your wealth over time.

Ready to explore your options?

If you’re a landlord and want to find out if this new buy-to-let mortgage is a fit for your situation, we’re just a phone call away.

Contact us today for a free mortgage review call.

We’ll look at your portfolio, crunch the numbers, and help you decide whether refinancing, releasing equity, or buying another property makes sense.

This blog is for information purposes only and does not constitute financial or tax advice. All loans are subject to lender approval, lending criteria, terms, and conditions. Rates, fees and product details are correct at the time of writing but may change.

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