Home Loan — Up to €400,000 | SOFIES
Become a homeowner with SOFIES. From {rate}% APR, up to 25 years, tailored support.
1.5%
APR from — Competitive fixed rates
€400,000
Maximum loan amount available
25 years
Flexible repayment duration
Buy. With confidence.
New build, existing or renovation — the SOFIES home loan finances your primary residence with competitive fixed rates. Minimum 10% deposit, fast in-principle decision.
Optimised monthly payments over 25 years. Stackable with government schemes. Loan portability when you move.
Home Loan Terms
Loan Amount
Up to €400,000
Amount based on property value and capacity
Repayment Term
Up to 25 years
Flexible term based on your situation
APR
From 1.5% APR*
Fixed rate, stable monthly payments
Security
Mortgage Security
Secured by the property value
Your Benefits with the SOFIES Home Loan
- Guaranteed Fixed Rate : Constant payments throughout the entire loan term
- Reduced Monthly Payments : Up to 25 years to maximise your buying power
- Stackable Schemes : Compatible with government first-buyer grants and schemes
- Flexible Payments : Adjustment possible as your income evolves
- Portable Loan : Transferable to your next purchase within 24 months
Eligibility Conditions
Borrower Criteria
- First-time buyer or no property for 24 months
- Stable and documented income
- Personal deposit minimum 10% of purchase price
- Debt ratio below 35%
Property Criteria
- Primary residence only
- Compliance with building regulations
- Energy performance certificate with satisfactory rating
- Valid home insurance policy
Required Documents
Personal Documents
- Valid identity document
- Last 3 proof of income
- Latest tax assessment
- Last 3 bank statements
Project Documents
- Notarised preliminary sale agreement
- Detailed financing plan
- Property surveys and energy certificate
- Death and disability insurance certificate
Deposit and Collateral
- Proof of available deposit funds
- Independent property valuation
- Notarised pre-sale or sale agreement
- Financing conditional clauses documentation
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Legal Notices
- *APR : Representative example : for €250,000 over 20 years at 3.5% APR, monthly payment €1,448, total repaid €347,520 (interest cost : €97,520).
- Mortgage : First-rank mortgage in favour of SOFIES on the financed property.
- Insurance : Death and disability insurance mandatory. Job loss cover available as option.
- Conditional Clause : Legally required in the preliminary agreement for buyer protection.
- Reflection Period : Minimum 10 days before final acceptance of the loan offer.
