It may be possible to have an Irish mortgage running into retirement, but this depends on the lender’s age limits, affordability assessment and evidence of likely retirement income. The lender may consider your pension arrangements, other income, existing debts and the proposed mortgage term, and could offer a shorter term if repayments appear unlikely to remain affordable. Policies and Central Bank rules can change, so check the current criteria directly with the lender or a regulated mortgage adviser. Citizens Information may also explain relevant home-buying and pension considerations.