Núa is a new Irish mortgage lender in Ireland from 2024 that is transforming the home financing experience with Ireland’s first fully digital mortgage platform. By combining cutting-edge technology with more flexible lending criteria than traditional banks, Núa opens doors for a wider range of borrowers including first-time buyers, home movers, switchers, and those who might struggle to meet conventional lending rules. Núa Money Mortgages offers tailored mortgage products designed to simplify and speed up every step of the journey to homeownership or refinancing. With Núa, getting a mortgage is smarter, easier, and more accessible than ever before.
Become more informed about Núa Mortgages:
- Núa Mortgage Products
- Summary Chart: Compare Núa Mortgages Products
- About Núa Mortgages
- Why Choose Núa Mortgages?
- Why choose JC Mortgages as your Núa Mortgage Broker?
Looking to secure an Núa Mortgage in Ireland? Find the Núa mortgage product that best suits your personal circumstances by contacting JC Mortgage Brokers for a free consultation and expert mortgage advice. Make contact today on 01-8102032 or email info@jcmortgages.ie.
Núa Mortgage Products
- Núa First Home
- Núa Home Plus
- Núa Mover
- Núa Switcher
- Núa Switcher Extra (Equity Release)
- Núa Freedom
- Núa Switcher One (Debt Consolidation)
Núa First Home
Tailored for first-time buyers, this mortgage provides flexible term lengths and fixed interest options, making it easier to step onto the property ladder. Borrowers can opt for a three- or five-year fixed rate and with Núa First Home mortgage if you have earnings from a second job or child benefit income, this may be considered as part of your mortgage application.
| Núa First Home Mortgage features: | ||
| > Flexible terms | > Amplified borrowing potential | > Online convenience |
Núa Home Plus
The Home Plus mortgage is designed for buyers seeking competitive fixed rates and enhanced borrowing power especially suitable for those with significant deposits. The product offers multi-year fixed rates and higher Loan-to-Value (LTV) flexibility for a wide range of residential buyers.
| Núa Home Plus Mortgage features: | ||
| > Access substantial funds | > Cashflow freedom | > Tax-free benefit |
Núa Mover
Ideal for current homeowners planning to move, this product simplifies both selling and buying processes. Fast approval timelines, transparent fixed rates, and digital administration reduce stress when transitioning to a new home.
| Núa Mover Mortgage features: | |
| > Simplified documentation | > Tailored terms |
| > Expanded borrowing opportunities | > Convenient online management |
If you are considering moving home, learn all about Bridging loans, a short-term loan designed to help you cover immediate financial needs.
Núa Switcher
Núa’s Switcher mortgages are for those wanting to save by switching from their current mortgage provider. Borrowers can lock in a new fixed rate and potentially lower monthly repayments, while benefiting from Núa’s online mortgage management portal.
| Núa Switcher Mortgage features: | ||
| > Simplified documentation | > Tailored terms | > Convenient online management |
Núa Switcher Extra (Equity Release)
This unique product allows homeowners to release equity from their property potentially up to €300,000 or more at competitive rates. Suitable for those with low/no remaining mortgage, it provides funds for renovations, consolidations, or family support.
| Núa Switcher Extra Mortgage features: | ||
| > Release substantial equity | > Cashflow freedom | > Tax-free financial empowerment |
Núa Freedom
Specially created for previous “mortgage prisoners” homeowners whose loans were sold to vulture funds and who now pay much higher rates. If qualifying repayment history is met, applicants can refinance into a new Núa mortgage at a lower rate and regain full control of their home.
| Núa Freedom Mortgage features: | ||
| > Seamless financing | > Fixed rate certainty | > Flexible loan terms |
Núa Switcher One (Debt Consolidation)
This offers consolidation of debts into a single mortgage product, helps to extend terms and optimise affordability, intended for customers seeking to simplify finances and lower total repayments.
| Núa Switcher One Mortgage features: | ||
| > Seamless financing | > Fixed rate certainty | > Flexible loan terms |
Secure the best Núa mortgage product that best suits your personal circumstances by contacting JC Mortgage Brokers for a free consultation and expert mortgage advice. Make contact today on 01-8102032 or email info@jcmortgages.ie.
Compare Núa Mortgages Products
Núa is regulated by the Central Bank of Ireland and provides its mortgages through a network of selected brokers. They are known for quicker approval times and may be a good option for certain borrowers, such as higher-income earners or those who need a mortgage top-up. They also offer a longer mortgage term of up to 40 years, compared to the industry standard of 35 years.
| Mortgage Type | Target Customer Segments | Key Features & Benefits | Interest Rate Options | Considerations / Eligibility |
| Núa First Home | First-time buyers | Fast digital approval, flexible terms, low deposit entry, fixed rates | Fixed (3 or 5 year periods) | Must be first-time buyer, deposit & affordability criteria. |
| Núa Home Plus | Buyers with substantial deposit | Enhanced borrowing power, high LTV options, multi-year fixed rates, smooth digital process | Multi-year fixed rates | Sufficient deposit, standard affordability checks. |
| Núa Mover | Existing homeowners moving | Streamlined for buyers and sellers, quick approval, fixed rates, digital efficiency | Fixed options | Must be current homeowner, new property eligibility. |
| Núa Switcher | Mortgage switchers | Switch and save, lock in new lower rate, simple application, potential for reduced monthly payments | Fixed and variable options | Must switch from another lender, qualifying loan amount. |
| Switcher Extra | Equity release applicants | Release property equity, funds for diverse needs, high release ceiling, competitive rates | Fixed rates (noted reduction) | Low/no remaining mortgage, LTV rules, affordability. |
| Núa Freedom | “Mortgage prisoners” | Escape high rates, regain control, refinance products from vulture funds at much better rates | Lower fixed rates for qualifiers | History of on-time repayments, currently with non-bank lender. |
| Switcher One | Debt consolidators | Consolidate debts, extend terms, improve affordability, holistic credit solution | Fixed rates | Must have existing debts, property value to support consolidation. |
Important Note:
Núa Mortgage Rates: Each product is digitally managed, with a strong focus on fast approval and competitive rates, but exact eligibility and rates depend on full application details and credit assessment. Always check the latest rates directly by contacting JC Mortgage Brokers today!
About Núa Mortgages
Núa Money is a non-bank mortgage provider revolutionising the Irish home loan market with a digital-first approach, offering speed, flexibility, and transparency for borrowers. Regulated by the Central Bank of Ireland, Núa delivers a streamlined online mortgage process often providing approvals within hours and caters to first-time buyers, movers, and switchers, as well as those previously affected by higher rates from non-traditional lenders. Through innovative eligibility criteria and flexible borrowing terms, Núa empowers more customers to access affordable home finance, all via a broker-centric platform designed for efficiency and personalised service.
Why Choose Núa Mortgages?
Choosing Núa Mortgages offers a range of authentic benefits, making it a standout option for many borrowers in Ireland:
- Lower, More Competitive Rates: Núa has implemented significant mortgage rate reductions up to 1% on some products leading to meaningful savings for new buyers, switchers, and those seeking equity release.
- Flexible Borrowing Rules: Núa offers mortgages for up to 40 years and allows borrowing up to age 75 in some cases, accommodating older buyers and those entering the property market later in life.
- Inclusive Eligibility: The lender considers 100% of certain social welfare payments as income (if not means-tested), is open to applicants with variable income, recent immigrants, and those who may have been declined by traditional banks.
- Empowering “Mortgage Prisoners”: Unique solutions for borrowers whose mortgages were sold to vulture funds, letting them refinance on fairer terms and regain control of their property.
- No Lengthy Residency Requirements: Mortgages may be available after as little as three months’ Irish residency for eligible applicants, outpacing standard banks.
Núa Mortgages is designed to make homeownership and refinancing easier, faster, and more accessible for a broader range of people in Ireland.
Why choose JC Mortgages as your Núa Mortgage broker?
As a Central Bank-authorised mortgage intermediary, JC Mortgages provides independent expert advice tailored to your unique needs. We specialise in guiding clients through Núa Mortgages’ innovative home loan products, including competitive fixed rates, flexible borrowing terms up to 40 years, and accessible options for first-time buyers, movers, switchers, and those previously declined by traditional lenders.
At JC Mortgages, we simplify the mortgage journey by explaining every step, comparing Núa’s offerings alongside other providers to secure the best fit for your circumstances and goals.
Ready to start your mortgage journey with confidence? Contact JC Mortgages today at 01-8102032 or email info@jcmortgages.ie for a free consultation and personalised mortgage solutions.
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