Buy-to-let mortgages in Ireland are assessed separately from standard home mortgages, with lenders considering your income, existing debts, credit history, deposit and expected rental income. Minimum deposit requirements, loan-to-value limits and affordability tests can vary between lenders and may change under current Central Bank rules, so confirm the latest criteria directly with providers. You should also allow for purchase taxes, insurance, maintenance, letting costs and tax on rental income, as well as landlord obligations such as registering a tenancy with the RTB. Revenue, the RTB and Citizens Information provide current guidance, while a qualified adviser can explain how the rules may apply to your circumstances.