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Rates updated: 2026-02-19 03:00:03 UTC
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A first-time buyer (FTB) is someone purchasing a home for the first time and who has never owned or co-owned any property in Ireland or abroad. This status makes you eligible for certain benefits, such as the Help-to-Buy (HTB) scheme and preferential mortgage terms.
First-time buyers can generally borrow up to 90% of the property’s value, meaning you’ll need a deposit of at least 10%. The amount you can borrow is usually capped at 3.5 times your gross annual salary, but in some cases, exemptions may allow you to borrow up to 4 times your income, depending on the lender’s discretion and your financial situation.
The HTB scheme offers first-time buyers a tax rebate of up to €30,000 (or 10% of the property’s value) for newly built homes. You must have paid enough tax in the previous four years to qualify. The rebate helps with the deposit, but it only applies to new builds or self-builds, not second-hand homes.
You will need a deposit of at least 10% of the property’s value. For example, a property worth €300,000 would require a €30,000 deposit. Keep in mind, additional savings may be necessary to cover other buying-related costs.
Yes, you are required to have mortgage protection insurance. This life insurance pays off your mortgage if you die during the loan term. Lenders require you to have this in place before they release the mortgage funds, unless you already have adequate life insurance.
Get a tax refund from Revenue to boost your deposit and get into your new-build home sooner.
Top up your deposit and mortgage with a Government-backed shared equity boost of up to 30% of the purchase price.
Adjust the slider to choose your loan amount and view your estimated monthly repayment.
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This repayment estimate assumes a rate of 3.09% over a 35-year term. Actual rates and repayments may vary depending on lender criteria and your individual circumstances.
Just to get a quick idea of the monthly cost you can check here, then go on to delve a bit deeper.
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