First time buyers

Our expert mortgage advisors will help you to find a mortgage that’s right for you. We will advise you on the following key issues:

  • How much you can borrow
  • How much of a deposit you will need
  • Loan to income (LTI) exemption availability
  • Fixed and Variable rates
  • Flexible overpayments during a fixed term

Contact us today to arrange a call to discuss your unique circumstances and requirements.


  • Do I qualify as first Time Buyer?

    A First time buyer is where the applicant(s) has never purchase a property in Ireland or abroad.

  • What is the maximum Loan to Value allowable for a First Time Buyer?

    The maximum Loan to Value mortgage is 90% of the value of the property.

  • Can a First Time Buyer purchase a property as a Buy to Let?

    No. A First time buyer can only purchase a property in which they intend to live in.

  • Can I avail of the Help to Buy Scheme?

    A First Time Buyer can avail of the Help to Buy scheme when purchasing a new build property or when building a new self-build property.

  • What is the maximum level of relief under the Help to Buy Scheme?

    Borrowers can claim a maximum of 10% of the value of the property or €30,000 - whichever is lower.

  • What is a Variable Rate mortgage?

    A variable-rate allows you to increase your repayments, use a lump sum to pay off all or part of your mortgage or re-mortgage without having to pay any fixed-rate breakage fees. However, because variable rates can rise and fall, your mortgage repayments can go up or down during the term of your loan.

  • What is a Fixed Rate mortgage?

    With a fixed-rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between the lender and borrower.

  • Can I overpay or pay lump sums whilst on a Fixed rate mortgage?

    Certain lenders allow overpayments or lump sum payments whilst on a fixed rate.

  • How much stamp duty do I pay on a property purchase?

    Stamp duty is payable at 1% on properties up to the value of €1 million euro and 2% on properties over this amount.

  • Do I need a Solicitor to purchase a property?

    A Solicitor is required to purchase a property to complete the legal paperwork.