Document background
The Property Mortgage Agreement is a fundamental document in Irish property financing, used when a lender provides secured financing for property purchase, refinancing, or equity release. The agreement must comply with Irish banking regulations, consumer protection laws, and property legislation, including the Land and Conveyancing Law Reform Act 2009 and Consumer Credit Act 1995. It contains mandatory consumer warnings, detailed loan terms, security provisions, and borrower obligations. The document is essential for creating legally enforceable security over property while protecting both lender and borrower interests under Irish law. This agreement type is particularly important given Ireland's robust property market and strict regulatory environment following the financial crisis.
