Google Reviews
First Time Buyer Mortgage
A First time buyer mortgage is your first step on the property ladder, with fixed and variable rate mortgage repayments your one step closer to owning your own first home.
6 mins to complete, no obligation
3 important facts for every first time buyer mortgage
Your first step toward a mortgage? Knowing these three essentials is a must to start your journey.
90% Mortgage
You can borrow up to 90% of the value of the property you want to take out your first mortgage on.
4x Times
The maximum amount you can borrow is 4x times your income or combined income on a joint application.
FTB Grants
A number of financial grants for first time buyers exist in 2024, BUT they are restricted to new build houses only.
Fast track your first time buyer mortgage application
Get expert guidance every step of the way with a dedicated broker, making your mortgage approval process faster and stress-free.
Complete our online fact check
1Fill out a quick online form with basic details, including the type of mortgage you need, how much you want to borrow, and your income figures.
Get assigned a personal broker
2We’ll assign you a dedicated broker who will be your main contact throughout the process, answering any questions and helping you choose the best home loan option.
Review the documents needed
3We’ll arrange a call at your convenience to go over the documents you’ll need to provide, such as payslips, bank statements, and ID.
We submit your application
4Once your paperwork is reviewed and you’re happy with the mortgage package, we’ll submit your application to the lender and keep you updated on its progress.
Draw down your mortgage
5When your mortgage is approved, we’ll guide you through the final steps of drawing down the funds to purchase your new home.
"Went above and beyond for us and made the whole process as smooth as possible!"
The truth behind common first time buyer mortgage myths
Don’t let misleading myths about Irish home finance loans stand in your way. We debunk the most common misconceptions, separating fact from fiction!
Compare all Irish lenders for the best repayment terms
Working with multiple Irish lenders to find the most competitive rates and flexible repayment options, tailored to suit your needs.
With
- Wide Range of ProductsHome loans & mortgage protection insurance
- Personalized ServiceUnbiased financial advice tailored to your personal circumstances
- Customized SolutionsSelf-employed, Expats & special cases welcome
- Access to Exclusive DealsMortgage rates & options not available direct from retail lenders
- Expert Market KnowledgeEvery mortgage rate from all Irish lenders
Traditional Mortgage Lender
- Limited product range
- Generic financial advice
- Very limited loan solutions
- Inflexible appointment times
- Default bias to their products only
- Frequent 'Computer-Sayes-No' attitude
- No guarantee your getting the lowest rate
- Single insurance option for mortgage protection
- Averse to handling previous credit issues
- Restrictive equity release & debt consolidation
"Went above and beyond for us and made the whole process as smooth as possible!"
Questions about first time buyer mortgages you didn't think to ask!
Truth is, you might have alot more questions and our experts can answer them all.
Who qualifies as a first time buyer in Ireland?
You qualify as a first time buyer in Ireland if you have NEVER drawn down a mortgage loan before in Ireland or another country.
Do both people need to be a first-time buyer?
No, only one applicant needs to be a first-time buyer to avail of a first time buyer mortgage in Ireland
What is Help to Buy (HTB)?
Help to Buy (HTB) is a tax rebate for first-time buyers of up to €30,000 or 10% of a newly built home's purchase price (or the approved valuation for self-builds), whichever is lower. This grant can significantly cover the deposit for eligible buyers.
Can you get Help to Buy (HTB) on a second hand home?
No, you cannot get Help to Buy (HTB) on a second hand home. Help to Buy is for new build properties only.
What to consider when choosing between a fixed or variable rate?
If rates are expected to rise, a fixed rate can offer stability. If rates may fall, a variable rate could save you money. Consider how much rates might change and choose a fixed rate if you're concerned about potential increases.
Is mortgage protection insurance compulsory in Ireland?
Yes mortgage protection insurance is required as a condition of drawing down your mortgage by your lender.
Is house insurance required when you draw down your mortgage?
Yes, you will need home insurance before you draw down your mortgage that comes into effect when you are the legal property owner.
Stay in the know with our guides
Empower yourself with the knowledge to make smart financial decisions. Our first time buyer mortgage guides are designed to educate and give you the confidence to navigate the mortgage process like a pro.