Whether you’re buying your first home or moving up the ladder, saving for a mortgage deposit remains one of the biggest barriers to home ownership in Ireland. Lending rules still mean most buyers only need a 10% deposit. But with average property prices significantly higher than a few years ago,
The Irish mortgage market welcomed Avant Money’s Flex Mortgage in April 2025. This mortgage combines the benefits of a low variable mortgage rate and a one year fixed rate. Furthermore, the rate is directly linked to an external reference interbank borrowing rate (Euribor). The flex mortgag erate is set on
The Irish mortgage market has been shaken up following the announcement that Núa Money will offer certain first-time buyers mortgages of up to five times their income/ salary. This is something not seen in Ireland since before the financial crash. For many buyers struggling with rising house prices, this could
If you’re starting your home-buying journey, one of the first questions you’ll face is: Should I go directly to a bank, or use a mortgage broker? Buying a home is exciting, but the mortgage process itself can be time-consuming and complex. In fact, it can take up to 60 hours
When you first take out a mortgage, you make a series of big decisions—fixed or variable rate, term length, lender, and repayment structure. At the time, those choices usually make perfect sense. But life doesn’t stand still—and neither do mortgage rates. What suited you a few years ago might not
Not everyone realises they may still qualify as a First-Time Buyer in Ireland — even if they owned a home before. Buying your first home is one of the biggest financial decisions you’ll ever make. But in Ireland, the definition of a First-Time Buyer (FTB) has evolved in recent years
Buying a house that needs renovations can be a smart way to get better value and create a home that suits your needs. However, funding those renovations is often where buyers run into uncertainty, particularly when mortgages are involved. In Ireland, there are a few different ways to pay for
The Help to Buy (HTB) scheme was first introduced in Jan 2017 to help first-time buyers purchase or self-build a new house or apartment. The scheme was reviewed and enhanced in July 2020, providing further supports. The scheme was reviewed again at the end of 2025 and extended to the
What Is an Approval in Principle (AIP)? In the Irish mortgage market, an Approval in Principle (AIP) is a preliminary assessment from a lender that shows how much they may be willing to lend to a potential home buyer. For first-time buyers, it’s a vital first step — helping you