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First Time Buyer

We can guide you through
the mortgage process for
your first home

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How much can you borrow

As a general guide first time buyers applying for a mortgage can borrow a maximum of 3.5 times their salary. So for a single earner earning €35,000 per annum, the maximum you can borrow would be €122,500.

For two income application we combine both incomes so applicant one is earning €50,000 and the second applicant is earning €35,000 we have total earnings of €85,000 so we can borrow €85,000 x 3.5 = €297,500.



You can get an exemption to this 3.5 times salary rule and receive between 4 and 4.5 times salary on a case by case basis.

Help to buy

Claim a refund

If you are a first-time buyer who either buys or self-builds a new residential property between 19 July 2016 and 31 December 2019, you may be entitled to claim a refund of income tax and DIRT paid over the previous 4 tax years.


To Qualify

You must take out a mortgage of at least 70% of the purchase price (or, for a self-build, 70% of the valuation approved by the mortgage provider).

First Time Buyer
First Time Buyer

Top Tips

Take advantage of paying rent

Insure that if you are paying rent that the rent is paid by direct debit from your bank account regardless if you are living at home and paying parents rent or renting from a landlord.


Manage your finances

Save on a monthly/weekly basis into a savings account or Credit Union account. Clear your credit card in full on a monthly basis. Try clear any loans you may have.


Don’t miss any payments

Do not miss any payments on any loans or credit cards and avoid using an overdraft on a regular basis.

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As your personal advisor on financial
matters, we work for you, not the Banks,
to make sure you get the best deal.

Want to start the process?

Let us guide you through the mortgage process