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.

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Spotlight

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.

Application Process

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.

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"Went above and beyond for us and made the whole process as smooth as possible!"

Eoin Skelly
Myths Debunked

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!

  • Lenders want to see all your bank account statements, including Revolut.

    Fact

  • My rent is not taken into account when I apply for a mortgage.

    Myth

  • Banks in Ireland don't lend to mortgage single applicants.

    Myth

  • Spending on the lottery weekly or gambling type sites gets you automatically disqualified.

    Myth

  • You can be penalised for your spending habits when applying for a mortgage.

    Fact

  • Once you have mortgage approval in principle you can take out other loans.

    Myth

Broker Benefits

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

Top Mortgages
  • Wide Range of Products
    Home loans & mortgage protection insurance
  • Personalized Service
    Unbiased financial advice tailored to your personal circumstances
  • Customized Solutions
    Self-employed, Expats & special cases welcome
  • Access to Exclusive Deals
    Mortgage rates & options not available direct from retail lenders
  • Expert Market Knowledge
    Every mortgage rate from all Irish lenders
vs

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
Talk to a Mortgage Specialist

"Went above and beyond for us and made the whole process as smooth as possible!"

Eoin Skelly
Frequently Asked Questions

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.

You qualify as a first time buyer in Ireland if you have NEVER drawn down a mortgage loan before in Ireland or another country.

No, only one applicant needs to be a first-time buyer to avail of a first time buyer mortgage in Ireland

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.

No, you cannot get Help to Buy (HTB) on a second hand home. Help to Buy is for new build properties only.

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.

Yes mortgage protection insurance is required as a condition of drawing down your mortgage by your lender.

Yes, you will need home insurance before you draw down your mortgage that comes into effect when you are the legal property owner.

Guides

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.

Its never too soon to start talking about your mortgage

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