The ECB’s recent signals of a **rate pause—and potential cut in Q2—**could have a big impact on Irish property investors’ next moves.
What We’re Seeing
- Fixed mortgage rates dropping back below 4% for the first time since 2022.
- Tracker holders could see modest relief by mid-year.
- Refinance windows opening for investors with strong credit and LTVs under 70%.
Investor Implications
- Q2 may be a sweet spot for securing financing before prices rise further.
- Small-scale developers may benefit most, as financing for construction eases slightly.