For first-time buyers in Ireland
From first savings
to your first sofa.
Six phases and thirty-one steps, from the deposit maths and the AIP paperwork to bidding and getting the keys. It also covers what comes after, like floors, curtains and the first boiler service.
Central Bank rule: 4× gross income
First-time buyer deposit: 10%
Stamp duty: 1%
Solicitor: €2,000-3,000
Structural survey: about €400
Bank valuation: about €150
Maximum mortgage
4×
Gross annual income, per Central Bank of Ireland rules.
Minimum deposit
10%
The same for first-time buyers and for anyone who has owned before.
Cash outside the loan
€3,550
Solicitor, survey and valuation, plus 1% stamp duty.
Six phases, one after the other.
Steps unlock in order: finish each blocking step to unlock the next one. You can read every step at any time in the full guide.
Read the full guide
All thirty-one steps in one place, with checklists and tips. No account needed.
From the blog