Outside the box - Mortgage

Property

I'm looking for help from someone who understands lending on an unburdened property in Ireland.

I'm moving back to Ireland with my pregnant wife.

We have a chunk of change from savings and investments, but we are not staying in our jobs, and it's not possible to stay in them.

We need a home ASAP, baby incoming May 2027.

Can we buy a property with cash, while we don't have jobs, and later remortgage the property when we do, to refill our investment portfolios. I assume the same LTV and LTI rules would apply. But I'd like the cash, and the ability to continue investing as we currently are.

I have an interest in finance and a QFA qualification.

Posted Aug 29, 2026, 1:22 PM UTC

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