If you’ve been managing your mortgage under a long-term restructure since before 2019, you’re not alone. Thousands of Irish homeowners are still living with the legacy of financial agreements put in place during challenging times — arrangements that may include warehoused debt, reduced payments, or split mortgages.
Now, there’s a smarter way forward.
Núa Freedom is a new mortgage solution designed specifically for borrowers like you — people who’ve kept up with their Alternative Repayment Arrangement (ARA) for the last five years and are ready to take back full control of their home.
Núa Freedom is a switcher mortgage that allows you to break out of your restructured deal and refinance your home under clear, fixed terms. It’s an opportunity to consolidate all elements of your mortgage — including warehoused debt — and step into full homeownership with confidence.
✔️ A Clear Path to Ownership
Refinance restructured PDH mortgages (including warehoused debt) and move forward on your own terms.
✔️ Fixed Rate Certainty
Choose a 3-year or 5-year fixed rate — both currently at 5.25% — for peace of mind and predictable monthly repayments.
✔️ Flexible Loan Terms
Loan terms up to 40 years are available, provided all borrowers will be no older than 75 at the end of the term.
✔️ Fast Decisions
Go from application to mortgage offer in days, not weeks.
✔️ Streamlined Completion
Meet all drawdown conditions digitally via Núa’s secure Closing Portal, supported by over 450 solicitors and 125+ mortgage brokers.
| Product | Rate | APRC | Max LTV | Max Loan |
|---|---|---|---|---|
| 3-Year Fixed | 5.25% | 5.25% | 75% | €750,000 |
| 5-Year Fixed | 5.25% | 5.30% | 75% | €750,000 |
You may qualify if:
You have a Primary Dwelling House (PDH) mortgage restructured before 2019
You’ve complied with your Alternative Repayment Arrangement (ARA) for at least 5 years
You’re ready to refinance and simplify your mortgage
We can help you assess your eligibility and guide you through the Núa Freedom application process — from initial conversation to drawdown.
It’s time to leave the past behind and own your home – fully, clearly, and confidently.
Let’s start your journey to freedom.