Compare first time buyer mortgages in Ireland

Discover Ireland’s best first-time buyer mortgages, compare interest rates, find out how to secure a mortgage and buy your first home.

bank of ireland

Bank of Ireland Cashback Plus

  • 2% of your mortgage back as cash upfront
  • An extra 1% cashback after 5 years

Terms & conditions apply

Find out more
You have a 57.1% loan to value (LTV)
We found 81 results for you
Sorted by Annual Percentage Rate
Flex Mortgage
2.98%
Variable rate
80.0%
Max LTV
€946.34
Monthly payment
Flex Mortgagei
The Flex Mortgage rate has two elements; a benchmark rate and a margin. The Benchmark is based on an external reference rate, the 12-month Euribor and is adjusted each year. The Margin will remain the same for the life of your mortgage. Your rate is linked to the 12-month Euribor rate and will be reset each year to reflect market rates - this means it could go up or down. The Benchmark Rate is subject to change, and Avant update it monthly on the 10th of the month (or next business day). The rate which will apply at drawdown will be Avant Money's published benchmark rate as at that date plus the agreed margin. T&C's apply.
Benchmark rate of 2.08% plus a 0.90% margini
The Benchmark Rate is subject to change, and Avant update it on the 10th of each month. The rate that will apply to your Flex Mortgage at drawdown will be Avant Money’s published Benchmark Rate as at that date plus the margin as confirmed in your loan offer. T&C's apply.
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4 Year Fixed
3.0%
4 Year Fixed rate
60.0%
Max LTV
€948.42
Monthly payment
Green 3 Year Fixed
3.1%
3 Year Fixed rate
80.0%
Max LTV
A
BER Rating
€958.86
Monthly payment
Green 2 Year Fixed
3.25%
2 Year Fixed rate
80.0%
Max LTV
A1–B3
BER Rating
€974.63
Monthly payment
Green 5 Year Fixed
3.3%
5 Year Fixed rate
80.0%
Max LTV
A1–B3
BER Rating
€979.92
Monthly payment
One Mortgage - up to 25 Years Fixed
3.4%
25 Year Fixed rate
60.0%
Max LTV
€990.55
Monthly payment
Get 1% of your mortgage back in cashi
Get 1% of your mortgage back in cash with Avant. Choose from any of Avant's mortgage products with new cashback incentive available to all new mortgage drawdowns from 1st Jan 2025 – 31st Dec 2025. 1% cashback paid into your account within two months of your drawdown. For example, a customer borrowing a €400,000 mortgage gets €4,000. To qualify for this incentive your mortgage must drawdown between 1st Jan 2025 and the 31st Dec 2025. T&C's apply.
4 Year Fixed
3.4%
4 Year Fixed rate
60.0%
Max LTV
€990.55
Monthly payment
Get 1% of your mortgage back in cashi
Get 1% of your mortgage back in cash with Avant. Choose from any of Avant's mortgage products with new cashback incentive available to all new mortgage drawdowns from 1st Jan 2025 – 31st Dec 2025. 1% cashback paid into your account within two months of your drawdown. For example, a customer borrowing a €400,000 mortgage gets €4,000. To qualify for this incentive your mortgage must drawdown between 1st Jan 2025 and the 31st Dec 2025. T&C's apply.
Green 4 Year Fixed Rate
3.45%
4 Year Fixed rate
90.0%
Max LTV
A1–B3
BER Rating
€995.89
Monthly payment
Green 5 Year Fixed
3.45%
5 Year Fixed rate
60.0%
Max LTV
A1–B3
BER Rating
€995.89
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. T&Cs apply.
Green 3 Year Fixed
3.45%
3 Year Fixed rate
60.0%
Max LTV
A1–B3
BER Rating
€995.89
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. T&Cs apply.
Green 4 Year Fixed
3.55%
4 Year Fixed rate
90.0%
Max LTV
A1–B3
BER Rating
€1,006.62
Monthly payment
3 Year Fixed
3.6%
3 Year Fixed rate
60.0%
Max LTV
€1,012.01
Monthly payment
Get 1% of your mortgage back in cashi
Get 1% of your mortgage back in cash with Avant. Choose from any of Avant's mortgage products with new cashback incentive available to all new mortgage drawdowns from 1st Jan 2025 – 31st Dec 2025. 1% cashback paid into your account within two months of your drawdown. For example, a customer borrowing a €400,000 mortgage gets €4,000. To qualify for this incentive your mortgage must drawdown between 1st Jan 2025 and the 31st Dec 2025. T&C's apply.
5 Year Fixed
3.6%
5 Year Fixed rate
60.0%
Max LTV
€1,012.01
Monthly payment
€1500 cashbacki
Receive €1,500 cashback to help towards the cost of obtaining your mortgage. By availing of a mortgage with MoCo, you will receive cash of €1,500, paid to you in the month following your first monthly instalment. This is a benefit to you as a MoCo customer and is not required to be repaid. T&C's apply.
3 Year Fixed
3.6%
3 Year Fixed rate
60.0%
Max LTV
€1,012.01
Monthly payment
€1500 cashbacki
Receive €1,500 cashback to help towards the cost of obtaining your mortgage. By availing of a mortgage with MoCo, you will receive cash of €1,500, paid to you in the month following your first monthly instalment. This is a benefit to you as a MoCo customer and is not required to be repaid. T&C's apply.
Núa 3yr Fixed
3.6%
3 Year Fixed rate
60.0%
Max LTV
€1,012.01
Monthly payment
7 Year Fixed
3.65%
7 Year Fixed rate
60.0%
Max LTV
€1,017.41
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. T&Cs apply.
5 Year Fixed
3.65%
5 Year Fixed rate
60.0%
Max LTV
€1,017.41
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. T&Cs apply.
3 Year Fixed
3.65%
3 Year Fixed rate
60.0%
Max LTV
€1,017.41
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. T&Cs apply.
Núa 5yr Fixed
3.65%
5 Year Fixed rate
60.0%
Max LTV
€1,017.41
Monthly payment
3 Year Fixed
3.75%
3 Year Fixed rate
90.0%
Max LTV
€1,028.26
Monthly payment
5 Year Fixed
3.8%
5 Year Fixed rate
60.0%
Max LTV
€1,033.71
Monthly payment
Get 1% of your mortgage back in cashi
Get 1% of your mortgage back in cash with Avant. Choose from any of Avant's mortgage products with new cashback incentive available to all new mortgage drawdowns from 1st Jan 2025 – 31st Dec 2025. 1% cashback paid into your account within two months of your drawdown. For example, a customer borrowing a €400,000 mortgage gets €4,000. To qualify for this incentive your mortgage must drawdown between 1st Jan 2025 and the 31st Dec 2025. T&C's apply.
7 Year Fixed
3.8%
7 Year Fixed rate
60.0%
Max LTV
€1,033.71
Monthly payment
Get 1% of your mortgage back in cashi
Get 1% of your mortgage back in cash with Avant. Choose from any of Avant's mortgage products with new cashback incentive available to all new mortgage drawdowns from 1st Jan 2025 – 31st Dec 2025. 1% cashback paid into your account within two months of your drawdown. For example, a customer borrowing a €400,000 mortgage gets €4,000. To qualify for this incentive your mortgage must drawdown between 1st Jan 2025 and the 31st Dec 2025. T&C's apply.
10 Year Fixed
3.8%
10 Year Fixed rate
60.0%
Max LTV
€1,033.71
Monthly payment
Get 1% of your mortgage back in cashi
Get 1% of your mortgage back in cash with Avant. Choose from any of Avant's mortgage products with new cashback incentive available to all new mortgage drawdowns from 1st Jan 2025 – 31st Dec 2025. 1% cashback paid into your account within two months of your drawdown. For example, a customer borrowing a €400,000 mortgage gets €4,000. To qualify for this incentive your mortgage must drawdown between 1st Jan 2025 and the 31st Dec 2025. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER A
3.8%
2 Year Fixed rate
90.0%
Max LTV
A
BER Rating
€1,033.71
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
2 Year Fixed
3.85%
2 Year Fixed rate
80.0%
Max LTV
€1,039.18
Monthly payment
3 Year Fixed
3.85%
3 Year Fixed rate
60.0%
Max LTV
€1,039.18
Monthly payment
2 Year Fixed - EcoSaver Mortgage - BER B
3.85%
2 Year Fixed rate
90.0%
Max LTV
B
BER Rating
€1,039.18
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
1 Year Fixed
3.85%
1 Year Fixed rate
90.0%
Max LTV
€1,039.18
Monthly payment
1 Year Fixed
3.85%
1 Year Fixed rate
90.0%
Max LTV
€1,039.18
Monthly payment
5 Year Fixed - EcoSaver Mortgage - BER A
3.9%
5 Year Fixed rate
90.0%
Max LTV
A
BER Rating
€1,044.66
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER C
3.9%
2 Year Fixed rate
90.0%
Max LTV
C
BER Rating
€1,044.66
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER A
3.9%
3 Year Fixed rate
90.0%
Max LTV
A
BER Rating
€1,044.66
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
2 Year Fixed
3.9%
2 Year Fixed rate
90.0%
Max LTV
€1,044.66
Monthly payment
Up to 3% Cashbacki
EBS is offering home buyers up to 3% Back in Cash. Get 2% upfront and 1% in 5 years (subject to meeting the terms of the mortgage) of the value of your new mortgage if you are a first time buyer, mover, or switching your mortgage to EBS when you take out a mortgage loan before 31 December 2026. T&Cs apply.
Variable
3.95%
Variable rate
80.0%
Max LTV
€1,050.16
Monthly payment
Variable
3.95%
Variable rate
80.0%
Max LTV
€1,050.16
Monthly payment
Variable
3.95%
Variable rate
80.0%
Max LTV
€1,050.16
Monthly payment
5 Year Fixed - EcoSaver Mortgage - BER B
3.95%
5 Year Fixed rate
90.0%
Max LTV
B
BER Rating
€1,050.16
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER D
3.95%
2 Year Fixed rate
90.0%
Max LTV
D
BER Rating
€1,050.16
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER B
3.95%
3 Year Fixed rate
90.0%
Max LTV
B
BER Rating
€1,050.16
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
2 Year Fixed
3.95%
2 Year Fixed rate
90.0%
Max LTV
€1,050.16
Monthly payment
5 Year Fixed - EcoSaver Mortgage - BER C
4.0%
5 Year Fixed rate
90.0%
Max LTV
C
BER Rating
€1,055.67
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER C
4.0%
3 Year Fixed rate
90.0%
Max LTV
C
BER Rating
€1,055.67
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER E
4.0%
2 Year Fixed rate
90.0%
Max LTV
E
BER Rating
€1,055.67
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
1 Year Fixed
4.05%
1 Year Fixed rate
80.0%
Max LTV
€1,061.20
Monthly payment
5 Year Fixed - EcoSaver Mortgage - BER D
4.05%
5 Year Fixed rate
90.0%
Max LTV
D
BER Rating
€1,061.20
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER F
4.05%
2 Year Fixed rate
90.0%
Max LTV
F
BER Rating
€1,061.20
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER D
4.05%
3 Year Fixed rate
90.0%
Max LTV
D
BER Rating
€1,061.20
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
2 Year Fixed
4.05%
2 Year Fixed rate
60.0%
Max LTV
€1,061.20
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. T&Cs apply.
3 Year Fixed - EcoSaver Mortgage - BER E
4.1%
3 Year Fixed rate
90.0%
Max LTV
E
BER Rating
€1,066.75
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER E
4.1%
5 Year Fixed rate
90.0%
Max LTV
E
BER Rating
€1,066.75
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER G
4.1%
2 Year Fixed rate
90.0%
Max LTV
G
BER Rating
€1,066.75
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
Variable
4.1%
Variable rate
60.0%
Max LTV
€1,066.75
Monthly payment
5 Year Fixed
4.15%
5 Year Fixed rate
60.0%
Max LTV
€1,072.31
Monthly payment
3 Year Fixed - EcoSaver Mortgage - BER F
4.15%
3 Year Fixed rate
90.0%
Max LTV
F
BER Rating
€1,072.31
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER F
4.15%
5 Year Fixed rate
90.0%
Max LTV
F
BER Rating
€1,072.31
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER Exempt
4.15%
2 Year Fixed rate
90.0%
Max LTV
Exempt
BER Rating
€1,072.31
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
Variable
4.15%
Variable rate
90.0%
Max LTV
€1,072.31
Monthly payment
5 Year Fixed
4.15%
5 Year Fixed rate
90.0%
Max LTV
€1,072.31
Monthly payment
3 Year Fixed
4.2%
3 Year Fixed rate
80.0%
Max LTV
€1,077.88
Monthly payment
3 Year Fixed - EcoSaver Mortgage - BER G
4.2%
3 Year Fixed rate
90.0%
Max LTV
G
BER Rating
€1,077.88
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER G
4.2%
5 Year Fixed rate
90.0%
Max LTV
G
BER Rating
€1,077.88
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
10 Year Fixed - EcoSaver Mortgage - BER A
4.2%
10 Year Fixed rate
90.0%
Max LTV
A
BER Rating
€1,077.88
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
4 Year Fixed
4.25%
4 Year Fixed rate
80.0%
Max LTV
€1,083.48
Monthly payment
10 Year Fixed - EcoSaver Mortgage - BER B
4.25%
10 Year Fixed rate
90.0%
Max LTV
B
BER Rating
€1,083.48
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER Exempt
4.25%
5 Year Fixed rate
90.0%
Max LTV
Exempt
BER Rating
€1,083.48
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER Exempt
4.25%
3 Year Fixed rate
90.0%
Max LTV
Exempt
BER Rating
€1,083.48
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
5 Year Fixed (Flexi 2-year Interest Only Mortgage)
4.25%
5 Year Fixed rate
60.0%
Max LTV
€708.33
Monthly payment
for 2 years, then €1,136.79p/m for 3 years
Flexi 2-year Interest-Only Featurei
2 years Interest Only repayments followed by Capital and Interest repayments. Pay Interest only for the first 2 years, meaning your repayments will be reduced during the first 24 months. Capital and interest repayments apply for the remaining term. Available to First time buyers, Movers, Switcher and Public Sector workers. The total cost of credit when selecting this feature will be higher than a capital and interest mortgage. T&C's apply.
5 Year Fixed
4.3%
5 Year Fixed rate
80.0%
Max LTV
€1,089.08
Monthly payment
3 Year Fixed
4.3%
3 Year Fixed rate
90.0%
Max LTV
€1,089.08
Monthly payment
Up to 3% Cashbacki
EBS is offering home buyers up to 3% Back in Cash. Get 2% upfront and 1% in 5 years (subject to meeting the terms of the mortgage) of the value of your new mortgage if you are a first time buyer, mover, or switching your mortgage to EBS when you take out a mortgage loan before 31 December 2026. T&Cs apply.
10 Year Fixed - EcoSaver Mortgage - BER C
4.3%
10 Year Fixed rate
90.0%
Max LTV
C
BER Rating
€1,089.08
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
7 Year Fixed
4.35%
7 Year Fixed rate
90.0%
Max LTV
€1,094.71
Monthly payment
10 Year Fixed - EcoSaver Mortgage - BER D
4.35%
10 Year Fixed rate
90.0%
Max LTV
D
BER Rating
€1,094.71
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
5 Year Fixed
4.4%
5 Year Fixed rate
90.0%
Max LTV
€1,100.34
Monthly payment
Up to 3% Cashbacki
EBS is offering home buyers up to 3% Back in Cash. Get 2% upfront and 1% in 5 years (subject to meeting the terms of the mortgage) of the value of your new mortgage if you are a first time buyer, mover, or switching your mortgage to EBS when you take out a mortgage loan before 31 December 2026. T&Cs apply.
10 Year Fixed - EcoSaver Mortgage - BER E
4.4%
10 Year Fixed rate
90.0%
Max LTV
E
BER Rating
€1,100.34
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
Variable
4.4%
Variable rate
60.0%
Max LTV
€1,100.34
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. Offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2025. T&Cs apply.
10 Year Fixed
4.45%
10 Year Fixed rate
90.0%
Max LTV
€1,106
Monthly payment
10 Year Fixed - EcoSaver Mortgage - BER F
4.45%
10 Year Fixed rate
90.0%
Max LTV
F
BER Rating
€1,106
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
10 Year Fixed - EcoSaver Mortgage - BER G
4.5%
10 Year Fixed rate
90.0%
Max LTV
G
BER Rating
€1,111.66
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
7 Year Fixed
4.55%
7 Year Fixed rate
80.0%
Max LTV
€1,117.35
Monthly payment
10 Year Fixed - EcoSaver Mortgage - BER Exempt
4.55%
10 Year Fixed rate
90.0%
Max LTV
Exempt
BER Rating
€1,117.35
Monthly payment
Up to 3% Cashbacki
3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or standard variable interest rate. T&C's apply.
10 Year Fixed
4.7%
10 Year Fixed rate
80.0%
Max LTV
€1,134.49
Monthly payment
* Indicative APRC (Annual Percentage Rate of Charge): calculations are based on a typical mortgage of €100,000 over a 20 year term.
Latest House prices in Ireland

Ireland’s average house price in the 12 months to May 2025 was €370,000.

The Residential Property Price Index (RPPI) shows house prices have increased by 7.9% over the last 12 months. House prices in Dublin increased by 6.9%; elsewhere in Ireland, prices rose by 8.7%.

The cheapest place to buy a house is Leitrim with a median price of €186,000, while the most expensive place is Dún Laoghaire-Rathdown at €670,000.

Source: Residential Property Price Index, CSO


What is a first-time buyer mortgage?

While not a distinct mortgage product, lenders often tailor mortgage deals to meet the needs of first-time buyers.

If you’re purchasing your first home, mortgage providers must follow the specific rules, scheme requirements, and eligibility criteria set out by the Central Bank of Ireland (CBI) for first time buyers.

First-time buyers (FTBs) have access to the same mortgage products as any other buyer, but there are different affordability rules. There’s also an opportunity to benefit from government help to buy schemes.

First time buyer eligibility

To qualify for one of the schemes or a first time buyer mortgage deal, you must meet various criteria.

Who qualifies as a first time buyer?

You’ll need to demonstrate that you:

  • have never taken out a mortgage loan in Ireland or abroad
  • do not own a principal private residence (PPR) in Ireland or abroad
  • will occupy the purchased property as your main residence

If you have previously owned or taken out a mortgage, but have had a change of circumstance, you may qualify as a ‘Fresh Start’ applicant.

What is a Fresh Start applicant?

A ‘Fresh Start’ applicant is a borrower who is divorced or separated or has undergone bankruptcy or insolvency, and no longer has an interest in their previous property.

Fresh Start status means lenders may consider you as a first time buyer despite previous ownership. This means you could borrow up to 4 times your gross income and qualify for help to buy schemes.

Are you a first time buyer if your partner has owned a home before?

No, if you apply for a joint mortgage with someone who has already owned a home, you are not classed as a first time buyer.

The Central Bank of Ireland states “Where the borrower under a housing loan is more than one person and one or more of those persons has previously been advanced a housing loan, none of those persons is a first-time buyer.”

Choosing the right type of mortgage

Most mortgages in Ireland are offered with fixed rates or variable rates. You can fix your rate for anything between 1 and 30 years.

Decide on the type of mortgage that works best for you and the duration of your loan term, and shop around for the best terms and rates available from different lenders.

A longer mortgage term means smaller monthly mortgage payments, but you’ll pay more interest in total. A shorter duration means larger monthly payments, but you’ll pay less in total.

  • Fixed rate mortgages The interest rate remains the same for the duration of your mortgage deal. This means your monthly mortgage payments will stay the same, making it easier to budget each month.
  • Variable rate mortgages The interest rate fluctuates with European Central Bank (ECB) rates. This means your rate and monthly payments may go up and down throughout the term.

Other mortgage products

You may come across some different mortgage products, which unlock additional benefits like cashback or discounted rates. These mortgages are often popular with individuals buying their first home.

  • Cashback mortgages: This type pays a cash lump sum once you draw down your home loan. The money can help pay for moving expenses, like legal fees.
  • Green mortgages: These are discounted mortgages for those with energy-efficient homes and a Building Energy Rating (BER) of B3 or better.

Our Complete Guide to Mortgages explains the types of mortgages in more detail, including cashback mortgages and green mortgages.

Key financial terms you’ll come across

  • Loan to Income (LTI): The amount you can borrow based on your annual income.
  • Loan to Value (LTV): The amount you can borrow based on the purchase price and deposit.
  • Repayment term: This refers to the period you require the home loan. Mortgage terms are usually offered between 5 and 35 years.
  • Indicative APRC (Annual Percentage Rate of Charge): Shows the total cost of a mortgage, including fees, over the entire period of the loan.
  • Approval in Principle (AIP): An approval in principle is a letter from a lender showing the amount they could lend you based on some initial checks. It’s free to get an AIP, and usually valid for six or 12 months.

You can learn more about these terms in our guide How much can I borrow?

Applying for your first mortgage

Starting on your mortgage journey is exciting, but there are several financial rules you’ll need to know before your search begins.

Understanding the mortgage market is crucial to finding the best mortgage for your needs and circumstances.

To get a mortgage loan in Ireland you’ll be required to:

  • meet the lender’s criteria
  • show you’re creditworthy
  • provide evidence of your income and outgoings

Financially, you’ll need to put down a sum of money upfront. This is called a deposit.

The amount of mortgage you can get is determined by your income, the value of your chosen property and the amount of deposit you can pay.

Before applying, find out the mortgage company’s lending criteria to increase your chance of a successful Approval in Principle (AIP).

How much deposit do first time buyers need?

You’ll need to provide at least 10% of the property’s purchase price.

For example, if you’re buying a property worth €300,000, you’ll need a minimum mortgage deposit of €30,000.

The greater your deposit, the lower your loan to value (LTV) will be. A lower LTV means better rates, and could ultimately reduce the total cost of your mortgage loan.

Borrowers with a sizeable deposit and a low LTV are eligible for the best mortgage rates because they are deemed less of a risk. To maximise your chance of mortgage approval, save as much as possible before applying.

How much can you borrow?

Before you start looking for your first home, you’ll need to determine how much you can afford.

First time buyers in Ireland can borrow up to four times their annual salary. If you’re buying a home with someone else, the loan to income (LTI) is based on your combined income.

The amount you could borrow depends on several factors, including:

  • Your income or combined income
  • The value of the property
  • Your financial commitments
  • Your credit history
  • Your age or borrowing term

Our guide How much can you borrow with a mortgage? explains more and includes a calculator to help you work out how much you could borrow based on your circumstances.

Use a mortgage calculator to work out what monthly repayments you can afford based on your income and outgoings.

Each lender may have different lending criteria, but they all have to adhere to mortgage measures set by the Central Bank of Ireland.

Are there exceptions to the Central Bank’s lending rules?

The Central Bank allows lenders to make some exceptions to the rules on lending limits. These are called mortgage exemptions.

Every year, lenders are allowed to offer 15% of first time buyers a mortgage above the income limit or reduce the deposit requirement.

With a mortgage exemption, a first time buyer can borrow up to 4.5 times their income.

What does a mortgage lender look for?

Mortgage lenders in Ireland assess various factors to decide if you’re a creditworthy borrower and can afford the mortgage repayments.

They combine their own internal lending criteria with the rules set out by the Central Bank of Ireland (CBI) around loan to income (LTI) limits and loan to value (LTV) limits.

They will look in depth at your:

  • Income and employment stability: Permanent, full-time employment is preferable, but lenders will consider self-employment or other alternative incomes if supported with evidence that you have a regular income and are risk-free.
  • Ability to repay the loan: Alongside your earning capacity, they may conduct a ‘stress test’ on your affordability, for example, test whether you could afford repayments if interest rates rise. Lenders also look for a track record of regular savings over six to 12 months to prove you can manage your money.
  • Existing financial commitments: Lenders will scrutinise all your borrowing, such as credit cards, loans and car finance. They will also review regular expenses such as childcare or school fees, spousal support or child maintenance. They may ask about any unexplained or large transactions on your bank accounts.
  • Credit history and debt record: A good, strong credit record significantly impacts mortgage approval and interest rates. A clean credit history with no missed or late payments is ideal. Lenders view defaulted loans, irregular repayments, bankruptcy and court judgments as red flags.

Other factors they may take into account are:

  • Age: Lenders have maximum age limits at the end of the mortgage term, typically between 66 and 75.
  • Deposit savings: Lenders like to see your deposit built through regular savings, although gifts from family are usually accepted if supported with evidence.
  • Property type: The property you’re buying must meet the lender’s criteria. A valuation will ensure the property’s market value supports the loan amount.

Useful to know

Documents you'll need to provide

Lenders need evidence that you are who you claim to be, can afford to repay the loan, and are creditworthy.

  • Evidence of your identity (passport or driving license)
  • Your Personal Public Service Number (PPSN). Ireland’s Central Credit Register requires lenders to obtain a customer’s PPSN for customer identification
  • Proof of address, such as a bank statement, utility bill or a letter from the Revenue to your home address dated within 3 months
  • Six months of bank statements (all accounts)
  • Up to 12 months of loan statements on all loan and mortgage accounts( if applicable)
  • Up to 12 months of savings statements
  • At least six months of credit card statements
  • A Salary Certificate completed and signed by your current employer, and an earnings summary
  • At least three months of payslips if paid monthly or eight consecutive payslips if paid weekly

How to improve your credit record

Lenders will access your credit report from the CCR, which records all your credit agreements for loans, credit cards, and other borrowings. They’ll assess your repayment history and personal solvency.

They’ll also check any previous property transactions. If you’ve ever been bankrupt, had a Personal Insolvency Arrangement (PIA), or had a property repossessed, this will weaken your chances of approval.

However, there are many ways you can boost your credit status:

  • Clear any arrears and make all future payments in full and on time.
  • Reducing your outstanding credit before applying for more to enhance your ‘affordability’.
  • Check your credit report regularly to ensure it has no mistakes and shows any new payments you’ve made.
  • Report any errors to your lender so your report can be updated. For example, you can add a statement to your record to explain why an account is in arrears.
  • Minimise lender checks by researching their lending criteria. Too many checks may negatively affect your credit record.

Learn more in our guide How to check your credit record.

Help for first time buyers in Ireland

There are several schemes that help first time buyers purchase their first home.

Help to Buy Scheme

The Help to Buy scheme started in 2017 to help first-time buyers buy newly built homes and self builds. Borrowers can claim a tax rebate of up to €30,000 or 10% of the value of the property. If you qualify, you can claim a refund of income tax and deposit interest retention tax (DIRT). Find out more at Revenue.ie.

First Home Scheme (FHS)

A government-backed scheme to help first-time buyers get on the property ladder. The FHS aims to make house purchases more affordable by supporting homebuyers with the cost of up to 30% of a new home. It’s available for eligible borrowers buying newly built homes and has now been extended to self-builds in rural Ireland.

Local Authority Home Loan

This is a government-backed mortgage for first time buyers or other eligible applicants through local authorities. All types of homes qualify, including those in the Tenant Purchase Scheme and the Affordable Housing Scheme. You can borrow up to 90% of the market value of the property. Find out more at Local Authority Home Loan.

Local Authority Affordable Purchase Scheme

With this scheme, the local authority takes a percentage share in your home to cover the reduction in price. New, affordable homes under this scheme are located in areas with the greatest housing need. To qualify, your gross income must be below 85.5% of the home’s market value. Find out more on the LDA.ie website.

Tips for getting your first mortgage

Many lenders offer first time buyer mortgages designed specifically for borrowers purchasing a first home.

Your mortgage payments will take a large chunk of your monthly income, so it pays to shop around for the lowest interest rate.

A good place to start your mortgage search is on a comparison website which lists Irish lenders and allows you to filter your results.

Take time to find out about different lenders and rates, and always compare the APRC (Annual Percentage Rate of Charge) because this shows the overall cost of the mortgage. The APRC will help you accurately compare mortgage interest rates across different lenders.

Before you compare mortgage deals, you’ll need to know:

  1. The property value
  2. How much you need to borrow (the mortgage amount)
  3. How much time do you need to pay it back (the repayment term)
  4. The type of mortgage you want (fixed 1 to 30 years or variable rate)

It also helps to know your BER rating, so you can unlock certain mortgage deals that reward energy-efficient homes with a BER rating above B3.

Remember to factor in any product charges and legal fees. Cashback mortgages are worth considering because they can often help with those upfront costs, but check the interest rates, as they could be higher than non-cashback mortgage rates.

Should you use a mortgage broker?

A mortgage intermediary or broker can help you find the cheapest mortgage deals and the best home loan for your circumstances.

A mortgage broker can also:

  • Find out your borrowing capacity based on your financial situation and calculate mortgage costs from different lenders.
  • Access a wide range of mortgage providers and compare mortgage deals to find the best mortgage to match your needs - even ones not advertised directly.
  • Help you prepare documents to support your application, check your paperwork and track the progress of your application.
  • Communicate directly with the lender and help with any problems or delays for a quicker application process.
  • Advise on other financial products you need with your mortgage such as life or home insurance.
  • Check the latest information from official sources and advise on any new rules or schemes that may impact your mortgage application.

This information is for guidance only, so seek professional financial advice tailored to your circumstances if required.

First Time Buyer FAQs

What is an Approval In Principle?

An approval in principle, is a letter from a lender showing the amount they could lend you based on some initial checks. It’s free to get an AIP, and usually valid for six months. Our guide, How to get a mortgage Approval in Principle in Ireland explains the process more fully.

What is the Indicative APRC (Annual Percentage Rate of Charge)?

Mortgage lenders are required to quote the Annual Percentage Rate of Charge (APRC) when advertising a borrowing rate.

The APRC shows you the total cost of a mortgage, including fees, over the entire period of the loan. Its purpose is to help you compare the true cost of borrowing.

For example, a 2 year fixed rate mortgage with an introductory rate of 1.99% and a booking fee of €999 that reverts to the lender’s standard variable rate (SVR) of 4.19% for the next 23 years ends up with an APRC of 3.7%.

The rate is indicative because it’s based on a typical mortgage of €100,000 over a 20 year term.

What other costs are involved in buying a house?

Besides the upfront costs of your deposit, there are other housebuying costs to factor in:

Compare mortgage rates & deals

Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.

Warning: If you do not keep up your repayments you may lose your home. Warning: The cost of your monthly repayments may increase. Warning: You may have to pay charges if you pay off a fixed rate loan early. Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period. The payment rates on this housing loan may be adjusted by the lender from time to time. (applies to variable rate loans only) Information provided and Interest rates quoted valid at 07/08/2025