We've simplified the mortgage process into four transparent steps. Navigate your home-buying journey with clarity and confidence.
See full step-by-step guide
Every number you need before you make an offer. Affordability, repayments, lender rates — all here.
Government Schemes
Two government schemes — often used together — to help you bridge the gap.
Maximum Refund
A refund of Income Tax and DIRT paid in Ireland over the four years prior to your application.
USC and PRSI are not included in the calculation.
The €30,000 cap applies per property, regardless of how many buyers are on the mortgage.
You must not have previously bought or built a property on your own or jointly. Inherited or gifted properties do not affect eligibility.
Not sure if you qualify? Our advisors can walk you through it for free.
Talk to an advisor
Rate Types
Understanding your options is the first step to choosing the right mortgage.
Green fixed rates (3.65%) are available for homes with a BER rating of A or B — significantly cheaper than standard rates.
Qualifying
Lenders assess income, employment stability, and repayment capacity.
Do I qualify?
Most buyers qualify with the right preparation.
These are the standard requirements across most Irish lenders.
Worked Example
Repayment capacity is the most important test. John and Mary show €1,500 rent + €1,200 savings per month — strong evidence of capacity.
Please review the information below and if you are ready to apply for mortgage approval, please visit the link below and begin your journey to buying your first home.
Apply Online HereOur business is arranging mortgages.
Established in 1994, we have helped thousands of clients in buying their homes. Many of our first-time buyers are determined to buy their first home but feel the task is daunting. We are here to make the process as simple as possible and to ensure you are getting the best value mortgage for your first home.
Your choice is between buying a new build or a second-hand property. The amount of finance available to you is similar in both categories but, the availability of incentives and grants for new builds can often make this option attractive to many people.
First-time buyer example
Obtaining mortgage approval
Is your income secure?
Can you afford the repayments?
How much of a deposit do you need?
Can you demonstrate good financial management?
More Information
Detailed guides on every aspect of buying your first home.
Stay Informed
Expert advice, market updates, and guides to help you make informed decisions on your path to homeownership.
A helpful guide to product choices and choosing a mortgage lender — the rates, terms and providers active in the Irish market.
A step-by-step guide to mortgages for first-time buyers — from gathering your documents to getting the keys.
Building your own home instead of buying one? Here's how self-build mortgages work, what lenders expect, and how funds are drawn down.
If you're having trouble keeping up with your mortgage, acting early matters. Here's what to do — and where to get help.
Everything you need to know about the process.
Typically, first-time buyers need a 10% deposit. Second-time buyers also need 10% under new Central Bank rules (previously 20%).
Still have questions? Our advisors are ready to help.
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