Irish First-Time Buyer · Updated Budget 2025
Ireland's three first-time buyer schemes can add tens of thousands to your buying power. Check your eligibility in under a minute.
No account · No credit check · Free
How it works
Salary, savings, property type, and target county. Takes under 60 seconds.
Central Bank mortgage limit, Help to Buy, First Home Scheme, and LDA — calculated against the official rules.
A personalised breakdown showing exactly what you can buy and where government support applies.
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Your budget breakdown will appear here
Fill in your details to see which schemes you qualify for and what you can realistically afford.
Revenue.ie
HTB rules
Central Bank
Mortgage limits
firsthomescheme.ie
FHS rules
Most buyers qualify for at least one. Many qualify for all three. The calculator checks everything at once.
Read the full buyer's guide →A tax refund on income tax you've already paid. Applied directly to your deposit — no repayment, ever.
The government shares equity in your home to bridge the gap. No monthly repayments. Repaid on sale or refinance.
State-built homes sold at a discount. Income-tested. Available in selected counties — check lda.ie for active sites.
Everything first-time buyers ask us.