A 50-year mortgage would allow someone to borrow for a longer term, which would mean lower monthly repayments, which, in turn, could make housing more affordable. For Joey Sheahan, head of credit at MyMortgages.ie and author of The Mortgage Coach, the most effective solution to our housing crisis will be “the ready availability of housing stock”. A 50-year mortgageThe longer you repay the loan, the smaller the monthly repayments and the more affordable purchasing property might be. If a 50-year mortgage was to really work, then, it would require buyers to get buying at a younger age. These days, most lenders have rowed back on such terms, although Nua Money now offers a mortgage term of up to 40 years.

Source: The Irish Times December 16, 2025 16:03 UTC