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The Complete Irish First‑Time Buyer Handbook

Everything we couldn't fit on the calculator. 8 chapters, 25+ pages, plain English. From figuring out what you can borrow to getting the keys.

PDF formatInstant delivery by emailWorks on all devicesUpdated for Budget 2025
  • Know exactly what you can borrow before talking to a bank
  • Full guide to stacking HTB + First Home Scheme for maximum benefit
  • Documents checklist so you never get caught unprepared
  • Plain-English legal explainer, no jargon, no filler
  • Costs breakdown by purchase price bracket
  • Written from Revenue.ie, Central Bank and Citizens Information sources

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Based on official sources: Revenue.ie, Central Bank, Citizens Information

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What's inside

01

Before You Start

Am I actually a first-time buyer? The real all-in cost of buying. A realistic timeline.

02

How Much Can You Borrow?

Central Bank LTI rules in plain English. The stress test explained. Worked examples for single buyers and couples. Self-employment guide.

03

The Three Government Schemes

Help to Buy, First Home Scheme, and LDA Affordable Homes. Who qualifies, how to claim, common mistakes, and how to stack them.

04

Your Deposit Strategy

The 10% rule and exceptions. Gifted deposits and what banks allow. The 6-month savings history rule.

05

Getting Mortgage Approval

AIP vs formal approval. The full documents checklist. Broker vs direct and how to choose. What to do when AIP expires.

06

Finding & Buying a Property

New build vs second-hand. Reading a BER. Making an offer. What sale agreed actually means.

07

The Legal Process

What your solicitor actually does. Survey vs valuation and why you need both. Life assurance and insurance requirements.

08

Costs Cheat Sheet

Stamp duty, solicitor fees, survey, insurance and valuations with realistic ranges per price bracket.

Ready to buy with confidence?

25+ pages written from official Irish sources. The complete picture before you talk to a bank or solicitor.

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