Special cases: self-employed, contractors and pension requirement 

Can you get a mortgage if you’re self-employed?

If you’re self-employed or working as a contractor, getting a mortgage in Ireland is possible, but you’ll need to show clear evidence of stable income. Mortgage providers usually look for at least two years of certified accounts, recent tax returns, bank statements and proof that your earnings are consistent and sustainable.

Contractors are generally assessed as self-employed and may need to show continuous contracts and evidence of renewals. While having a pension isn’t a legal requirement, lenders may consider your long‑term income plans, particularly if you’re older or applying for a long mortgage term. Preparing documents early and showing savings or financial stability can strengthen your chances.

Here’s what to have ready:

• Certified accounts: At least two years of professionally prepared accounts
• Tax documentation: Recent tax returns (Form 11) and a valid Tax Clearance Certificate
• Bank statements: Six months of business and personal statements
• Loan details: Information on any existing loans or credit commitments
• Evidence of consistent earnings: Mortgage providers assess repayment ability based on steady earnings, not projections
• Strengthen your case: If your income varies, show savings or retained profits to demonstrate financial stability

Can contractors get a mortgage?

Yes, contractors can get a mortgage in Ireland, but mortgage providers need extra proof of income stability. A contractor is someone who works on a fixed-term or project basis rather than as a permanent employee. 

Contractors often provide services through a contract with a company or agency and may work in sectors like IT, construction, healthcare or professional services. Most banks treat contractors as self-employed, so you’ll need to show a strong earnings history.

What mortgage providers usually require from contractors:

• At least 12 months of continuous contracts in the same industry
• Recent payslips or invoices
• Six months of bank statements
• Your current contract and evidence of renewals or extensions

If your income varies, having savings or a consistent deposit history can strengthen your application. A mortgage broker can be especially helpful for contractors, as they know which mortgage providers are more flexible with non-permanent employment.

Must you have a pension in order to get a mortgage?

A pension is not a legal requirement for a mortgage, but some mortgage providers may ask about your pension or long-term income plans, especially if you’re older or closer to retirement.

While younger applicants typically won’t face issues, if you’re in your 40s or 50s and applying for a long-term mortgage, mortgage providers want reassurance that you can afford repayments after you retire. 

If you don’t have a pension or another source of income for later life, some mortgage providers may refuse your application or offer a shorter term, which could mean higher monthly repayments.

If you’re in this situation, it’s important to show evidence of other financial plans, such as savings, investments or rental income, to strengthen your case. A mortgage broker can help identify mortgage providers that are more flexible on this point.

Next steps

Go to our from approval to closing page to learn about the rest of your mortgage journey.