Buying Waterfront Property In Ireland

Published on October 4, 2025 and written by Cyril Jarnias

Ireland, with its breathtaking coastal landscapes, dramatic cliffs, and pristine sandy beaches, is attracting more and more real estate investors seeking waterfront property. Whether you dream of a peaceful vacation home or a profitable rental investment, this guide will give you all the keys to making your real estate project on the Irish coast a reality.

Hidden Gems of the Irish Coastline: Where to Invest?

Ireland is full of attractive coastal destinations, each with its unique charm. Here are some of the best options for buying a seaside property:

The Dingle Peninsula, County Kerry

Nestled on Ireland’s southwest coast, the Dingle Peninsula is renowned for its spectacular landscapes, pristine beaches, and authentic atmosphere. The towns of Dingle and Ventry are particularly popular with foreign investors for their picturesque charm and high tourism potential.

Kinsale, County Cork

This charming port town in southern Ireland is known for its thriving food scene and historical heritage. Kinsale offers an excellent balance between tranquility and activity, making it a wise choice for a seasonal rental investment.

Connemara, County Galway

For those seeking wild and preserved nature, Connemara is a true paradise. Coastal villages like Clifden or Roundstone offer purchase opportunities in an exceptional setting, ideal for lovers of wide-open spaces.

Howth, County Dublin

Located just 30 minutes from Dublin city center, the Howth peninsula combines the advantages of a picturesque fishing village with proximity to the capital. It’s an excellent choice for those who want to combine coastal investment with urban accessibility.

Portrush, County Antrim

On the north coast of Northern Ireland, Portrush is a vibrant seaside resort offering great investment opportunities. With its sandy beaches and famous golf course, it’s a popular tourist destination throughout the year.

Key Steps to Realize Your Irish Dream

Buying a seaside property in Ireland requires good preparation. Here are the essential steps to follow:

1. Define Your Budget and Get a Mortgage Approval in Principle

Before starting your search, determine your budget precisely. If you need a loan, get a mortgage approval in principle from an Irish bank or a broker specializing in international loans. This will give you a clear idea of your borrowing capacity and strengthen your credibility with sellers.

2. Hire a Local Real Estate Agent

A real estate agent who knows the region you’re targeting well will be a valuable asset. They can guide you toward the best opportunities and help you negotiate the purchase price. Choose a professional licensed by the Property Services Regulatory Authority (PSRA).

3. Hire a Specialized Lawyer

In Ireland, it’s highly recommended to hire a lawyer (solicitor) to handle the legal aspects of the transaction. They will verify the property title, draft the contract, and ensure all documents are in order.

4. Conduct a Thorough Property Inspection

Before committing, have the property inspected by an independent expert. Seaside homes can be prone to specific problems related to humidity or coastal erosion. A detailed inspection will help you avoid unpleasant surprises.

5. Negotiate the Price and Make an Offer

Once you’ve found the perfect property, make an offer through your real estate agent. Don’t hesitate to negotiate, taking into account local market prices and the condition of the property.

6. Finalize the Purchase

Once your offer is accepted, your lawyer will handle the administrative formalities. You’ll need to pay a deposit (usually 10% of the purchase price) to reserve the property. The purchase process typically takes between 6 and 12 weeks in Ireland.

Legal and Tax Aspects to Consider

Buying property in Ireland involves certain specific legal and tax considerations:

Stamp Duty

In Ireland, the buyer must pay Stamp Duty when purchasing real estate. The rate is currently 1% for residential properties valued under €1 million, and 2% above that.

Property Tax

The Local Property Tax (LPT) is an annual tax based on the estimated value of your property. Rates vary by region and property value.

Rental Income

If you plan to rent out your property, be aware that rental income is taxable in Ireland. You’ll need to register with the Irish tax authorities and declare your income.

Short-Term Rental Restrictions

Some popular coastal areas have implemented restrictions on short-term rentals (like Airbnb) to preserve local housing. Check with local authorities before investing if this is your plan.

Tips to Maximize Your Coastal Investment

To get the most out of your Irish seaside investment, here are some additional tips:

– Prioritize properties offering stunning ocean views, as they will retain their value better long-term. – Consider accessibility: a property close to transportation and amenities will be easier to rent or resell. – Invest in good insulation and an efficient heating system to make the home comfortable year-round. – If you’re considering seasonal rentals, choose a location near local tourist attractions. – Consider the possibility of expanding or renovating the property to increase its long-term value.

Buying a seaside property in Ireland is an exciting investment that can offer both an exceptional vacation spot and interesting return potential. By following this guide and surrounding yourself with competent professionals, you’ll maximize your chances of realizing your Irish dream.