How to Invest in Ireland

No, non-residents can purchase and own property in Ireland without restrictions. However, there are some considerations regarding tax treatment and financing. Non-residents may be subject to different tax rates on rental income and may find it more challenging to secure mortgage financing from Irish banks, typically requiring larger deposits (30-40% versus 10-20% for residents). We can help structure your investment to optimize tax efficiency and connect you with lenders who specialize in non-resident investors.

Real estate returns in Ireland vary by location and property type. Currently, residential rental yields in Dublin typically range from 5-7%, while properties in regional cities like Cork, Galway, and Limerick can achieve 7-9%. Commercial properties generally offer yields between 4.5-8% depending on tenant quality and lease terms. Capital appreciation has averaged 6-8% annually over the past five years in major urban areas, though this can fluctuate with market conditions. The combined yield plus appreciation creates attractive total returns compared to many European markets.

Ireland has a relatively investor-friendly tax system, but there are important considerations for foreign investors. Non-resident investors typically pay a 20% withholding tax on rental income, though expenses like mortgage interest, property management, insurance, and maintenance costs are deductible. Capital gains tax is currently 33% on property sales. Ireland has an extensive network of double taxation agreements (over 70 countries), which can prevent you from being taxed twice on the same income. We recommend working with a tax specialist to create an optimal structure based on your country of residence and investment goals.

The minimum effective investment amount varies by asset class. For direct property investment, we typically recommend at least €250,000 to purchase quality assets in good locations. For those with smaller budgets, Irish REITs (Real Estate Investment Trusts) offer property exposure starting from just a few thousand euros. Angel investments in Irish startups typically begin at €25,000-€50,000, while private equity funds usually have minimums of €100,000-€250,000. We can also create diversified portfolios combining different asset classes based on your investment capacity and risk tolerance.

Brexit has generally strengthened Ireland's position as an investment destination. As the only remaining English-speaking EU member with a common law legal system, Ireland has attracted significant business relocation from the UK. Financial services, tech, and pharmaceutical sectors have seen particular growth. Commercial real estate in Dublin has benefited from international firms establishing or expanding their EU headquarters. However, Brexit has created some supply chain complications for businesses trading with the UK. Overall, the net effect has been positive for investors, with increased demand for commercial and residential property and growth opportunities in key business sectors.

Remote management of Irish investments is entirely feasible with the right support structure. For property investments, we can connect you with reputable property management companies that handle tenant sourcing, rent collection, maintenance, and legal compliance. For business investments, we offer directorship services and regular reporting. Our team provides quarterly performance reports and can represent your interests locally. We leverage technology for virtual property tours, online document signing, and video conferencing for key meetings. Many of our international clients visit Ireland just 1-2 times per year while maintaining profitable investment portfolios.