Our products are available exclusively through selected mortgage brokers. You can apply for a mortgage with MoCo by arranging a meeting with one of our selected mortgage brokers. To find a broker click here

A mortgage broker will support and guide you through your mortgage application. Our selected mortgage brokers can discuss our products with you and help you choose the right one. Mortgage brokers are regulated and authorised by the Central Bank of Ireland to provide financial advice to consumers. To find a broker click here

A mortgage broker will help you calculate how much you could potentially borrow. MoCo will perform a full credit assessment to calculate your repayment capacity based on several factors including your income and outgoings. The amount available will also be subject to the Central Bank's mortgage lending rules and your credit history. 

MoCo will provide a Letter of Offer (subject to property valuation) at an earlier point in the mortgage journey to give customers confidence in bidding for a property. MoCo’s Letter of Offer is issued only when an underwriter has reviewed and assessed your completed application and supporting documentation. An Approval in Principle is generally provisional and is typically based on a basic calculation of your income and may not involve any validations or in-depth credit assessment of your specific circumstances. MoCo aims to provide its fully assessed Letter of Offer faster than many other lenders provide their provisional Approval in Principle.

To find out more information about switching your mortgage to MoCo, click here to view our switching guide.

With a fixed rate mortgage, your interest rate is set for an agreed period. A fixed rate means that your monthly repayments will remain the same for the duration of this period. At the end of a fixed rate period, you may opt to take another fixed rate from our range of fixed rates available at that time, or your mortgage will move to the prevailing variable interest rate offered at the time, which is referred to as your "roll-off" variable rate.

Your repayments will be based on the amount you borrow, the interest rate and the term of the loan. You can get an idea of how much you would be repaying by using our repayments calculator. To use the calculator click here

Your broker will advise you what documents you will need to provide. Standard documentation required includes current account statements, savings account statements, credit card statements, salary certificate, payslips, and employment detail summary. Please note that MoCo provides a facility to allow bank and credit card transaction details to be provided digitally in many instances.

Your broker will communicate with you throughout the application process and keep you informed on the progress.

The Help to Buy incentive is a tax rebate scheme provided by the Irish government for first-time homebuyers purchasing a newly built home. You can receive up to €30,000, which can be used as a deposit towards your purchase of a property.

Please note, MoCo is the trading name of BAWAG PSK Bank in Ireland and for the Help to Buy incentive is listed as Bawag PSK Bank on Revenue.ie. 

Find out more at Revenue.ie.

Your salary certificate will need to be signed by your employer. You can find a copy of our salary certificate template here.

If your loan is a fixed rate loan and you repay it early in whole or in part or switch it to a variable or other interest rate before expiry of the fixed rate period, you may need to pay an early repayment charge. The terms and conditions of our mortgage products allow for some overpayments to be made without incurring a charge.

If you are worried about repaying your mortgage, you should contact us on 0818 210 255 (Mon-Fri 9am-5pm). You can also find more useful information here.

You can apply for a mortgage with MoCo with a maximum term of 35 years and up to a maximum age of 80. If the term extends beyond your expected retirement age we will assess your ability to service the mortgage beyond that point. Our minimum mortgage term is 10 years.

The minimum mortgage amount you can apply for with MoCo is €125,000.

By availing of a mortgage with MoCo, you will receive cash of €1,500, paid to you in the month following your first monthly instalment. This is a benefit to you as a MoCo customer and is not required to be repaid.

MoCo is the trading name of the Irish branch of BAWAG. BAWAG is an Austrian bank and is regulated by the European Central Bank and the Central Bank of Ireland. Further information about us can be found here.