We fully recognise that purchasing your home is one of the most important financial decisions you will ever make.

Our aim is to provide you with the best option, tailored to your own individual circumstances and we will make our recommendation based on this.

We will ensure that we are supporting you every step of the way throughout the mortgage process. So whether you are a first-time buyer trying to get on the property ladder, or a current property owner looking to switch/trade up, contact us today to discuss your options.

First-Time Buyers

If you have never owned a home before, you are considered a first-time buyer.

You will be required to have a deposit of 10% of the proposed purchase price. However, some first-time buyers may qualify for certain schemes to assist when purchasing a house:

> Help To Buy Scheme

This is an incentive for first-time buyers who are purchasing a newly built property. It also applies to once-off self-build homes. It provides financial support with the deposit you need to purchase property.

Where you meet the required conditions, you will receive a refund of:

and

The refund will be from the four tax years prior to when you make your application. The refund will not include any refunds you have already claimed.

This scheme will run until the end of 2024. More information can be found here:

https://www.revenue.ie/en/property/help-to-buy-incentive/index.aspx

> First Home Scheme

This is a shared equity scheme for first-time buyers and other eligible homebuyers. It assists buyers with house purchase by bridging the gap between their deposit and mortgage, and the price of the new home (within price ceilings established across the country).

More information on the First Home Scheme can be found here:

https://www.firsthomescheme.ie/

Switchers

The reasons for switching will vary depending on your individual goals and circumstances.

In the current climate of unpredictable rate increases, it is important to shop around and find the best rate available for you. Switching your mortgage can help you make significant savings in the long run. We will do the leg work for you and advise of the options that are available.

Self-Build

This is a mortgage for people building their own home.

The self-build process involves: acquiring a site, obtaining planning permission for your house and the construction of the property.

This varies, but usually both first-time buyers and second time buyers will need at least a 10% deposit.

Buy-To-Let Mortgage

If you are a first-time landlord with a small property portfolio, talk to us about the current rates available.

Alternatively, if you already have a number of Buy To Let properties, we will source the best option to suit your circumstances.