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First time buyer mortgage

Ready to buy your first home? We're on your side to help you get your first mortgage.

Find out how much you can borrow, compare mortgages, calculate your repayments and start your mortgage journey here.

Daftmortgages.ie compares these lenders to get the best rate for you

Access the mortgage tools you need online 24/7

Calculate your Buying Budget

Unsure about how much you can borrow? Our calculator will tell you!

Find the best rate and right mortgage for you. Calculate repayments and compare lenders.

Compare mortgage lenders

Here's a guide to help you choose which one is best for you.

Should I use a broker or a lender?

  • How to get a mortgage in Ireland?
    Step 1: Find out how much you can borrow here Step 2: Use our mortgage calculator to compare rates and lenders here Step 3: Answer a few questions here and we'll check if you're ready to apply. Step 4: If you are, you can start your full application online here Step 5: Find your dream home on daft.ie Step 6: Get mortgage protection/insurance Step 7: Mortgage approved Step 8: Formal loan offer Step 9: Mortgage drawdown, keys and move in.
  • What documents do I need for a mortgage?
    If you are an employee you will need the following documents to apply for a mortgage: Your last 3months’ payslips Employment detail summary (which you can get from your myaccount on revenue.ie Salary certificate from your employer 6 months most recent bank account statements on all accounts including credit union, revolut etc. if applicable Credit card statements (if applicable) ID (a current valid passport/driving license) Confirmation of your address (a recent utility bill) If you are self employed you will need the following documents to apply for a mortgage: Minimum of 2 years certified accounts Tax clearance certificate 6 months most recent bank account statements on all accounts including credit union, revolut etc. if applicable 6 months most recent business bank accounts statements Credit card statements (if applicable) ID (a current valid passport/ driving license) Confirmation of your address (a recent utility bill)
  • How long does mortgage approval take?
    This can unfortunately depend on a number of factors such as how strong and thorough your mortgage application is, how busy lenders are etc. However, daftmortgages.ie will make sure you'll be approved prior to submitting your application with a lender to speed up the approval process for you. Start your journey today here.
  • How much of a deposit/savings do I need for a mortgage in Ireland?
    First time buyers are required to have 10% of the purchase price of the home you wish to buy. For new homes, some or all of this deposit can come from the "Help to Buy" grant. You also need savings of approx 2-4% for costs such as stamp duty and legal fees. Visit our Buying Budget Calculator here which will calculate your deposit, tell you what grant you can get and calculate the upfront costs specific to your circumstance.
  • How much can I borrow for a mortgage?
    The normal maximum amount you can borrow for a mortgage in Ireland is capped at 3.5 times your gross annual income. So if your gross salary is €60,000, the maximum mortgage would be €210,000. However lenders can break the 3.5 times rule and approve up to 4.5 times, but this is on a case by case basis and depends on availability. Find out how much you can borrow for a mortgage here.

Daftmortgages.ie Frequently Asked Questions

Ready to apply for your mortgage?

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