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
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You have a 57.1% loan to value (LTV)
We found 90 results for you
Sorted by monthly payment
Green 4 Year Fixed Rate
3.45%
4 Year Fixed rate
90%
Max LTV
A1–B3
BER Rating
€995.89
Monthly payment
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Green 5 Year Fixed
3.55%
5 Year Fixed rate
80%
Max LTV
A1–B3
BER Rating
€1,006.62
Monthly payment
Green 4 Year Fixed
3.55%
4 Year Fixed rate
90%
Max LTV
A1–B3
BER Rating
€1,006.62
Monthly payment
4 Year Fixed
3.6%
4 Year Fixed rate
60%
Max LTV
€1,012.01
Monthly payment
Green 3 Year Fixed
3.6%
3 Year Fixed rate
60%
Max LTV
A1–B3
BER Rating
€1,012.01
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 on or before 31st March 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. T&Cs apply.
4 Year Fixed
3.65%
4 Year Fixed rate
60%
Max LTV
€1,017.41
Monthly payment
3 Year Fixed
3.7%
3 Year Fixed rate
60%
Max LTV
€1,022.83
Monthly payment
3 Year Fixed
3.7%
3 Year Fixed rate
60%
Max LTV
€1,022.83
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 on or before 31st March 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. T&Cs apply.
5 Year Fixed
3.8%
5 Year Fixed rate
60%
Max LTV
€1,033.71
Monthly payment
7 Year Fixed
3.8%
7 Year Fixed rate
60%
Max LTV
€1,033.71
Monthly payment
10 Year Fixed
3.8%
10 Year Fixed rate
60%
Max LTV
€1,033.71
Monthly payment
One Mortgage - up to 25 Years Fixed
3.8%
25 Year Fixed rate
60%
Max LTV
€1,033.71
Monthly payment
Variable
3.95%
Variable rate
80%
Max LTV
€1,050.16
Monthly payment
Variable
3.95%
Variable rate
80%
Max LTV
€1,050.16
Monthly payment
Variable
3.95%
Variable rate
80%
Max LTV
€1,050.16
Monthly payment
Variable
4.15%
Variable rate
90%
Max LTV
€1,072.31
Monthly payment
Green 5 Year Fixed
4.15%
5 Year Fixed rate
60%
Max LTV
A1–B3
BER Rating
€1,072.31
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 on or before 31st March 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. T&Cs apply.
2 Year Fixed - EcoSaver Mortgage - BER A
4.3%
2 Year Fixed rate
90%
Max LTV
A
BER Rating
€1,089.08
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
1 Year Fixed - EcoSaver Mortgage - BER A
4.3%
1 Year Fixed rate
90%
Max LTV
A
BER Rating
€1,089.08
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
1 Year Fixed - EcoSaver Mortgage - BER B
4.35%
1 Year Fixed rate
90%
Max LTV
B
BER Rating
€1,094.71
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER B
4.35%
2 Year Fixed rate
90%
Max LTV
B
BER Rating
€1,094.71
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER A
4.4%
5 Year Fixed rate
90%
Max LTV
A
BER Rating
€1,100.34
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER C
4.4%
2 Year Fixed rate
90%
Max LTV
C
BER Rating
€1,100.34
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
1 Year Fixed - EcoSaver Mortgage - BER C
4.4%
1 Year Fixed rate
90%
Max LTV
C
BER Rating
€1,100.34
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER A
4.4%
3 Year Fixed rate
90%
Max LTV
A
BER Rating
€1,100.34
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
Variable
4.4%
Variable rate
60%
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 on or before 31st March 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. T&Cs apply.
2 Year Fixed - EcoSaver Mortgage - BER D
4.45%
2 Year Fixed rate
90%
Max LTV
D
BER Rating
€1,106
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
1 Year Fixed - EcoSaver Mortgage - BER D
4.45%
1 Year Fixed rate
90%
Max LTV
D
BER Rating
€1,106
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER B
4.45%
5 Year Fixed rate
90%
Max LTV
B
BER Rating
€1,106
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER B
4.45%
3 Year Fixed rate
90%
Max LTV
B
BER Rating
€1,106
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed
4.5%
2 Year Fixed rate
60%
Max LTV
€1,111.66
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 on or before 31st March 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. T&Cs apply.
5 Year Fixed
4.5%
5 Year Fixed rate
60%
Max LTV
€1,111.66
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 on or before 31st March 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. T&Cs apply.
2 Year Fixed - EcoSaver Mortgage - BER E
4.5%
2 Year Fixed rate
90%
Max LTV
E
BER Rating
€1,111.66
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
1 Year Fixed - EcoSaver Mortgage - BER E
4.5%
1 Year Fixed rate
90%
Max LTV
E
BER Rating
€1,111.66
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER C
4.5%
3 Year Fixed rate
90%
Max LTV
C
BER Rating
€1,111.66
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER C
4.5%
5 Year Fixed rate
90%
Max LTV
C
BER Rating
€1,111.66
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
7 Year Fixed
4.5%
7 Year Fixed rate
60%
Max LTV
€1,111.66
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 on or before 31st March 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. T&Cs apply.
5 Year Fixed
4.5%
5 Year Fixed rate
60%
Max LTV
€1,111.66
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.
1 Year Fixed
4.55%
1 Year Fixed rate
80%
Max LTV
€1,117.35
Monthly payment
1 Year Fixed
4.55%
1 Year Fixed rate
90%
Max LTV
€1,117.35
Monthly payment
1 Year Fixed
4.55%
1 Year Fixed rate
90%
Max LTV
€1,117.35
Monthly payment
5 Year Fixed - EcoSaver Mortgage - BER D
4.55%
5 Year Fixed rate
90%
Max LTV
D
BER Rating
€1,117.35
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
1 Year Fixed - EcoSaver Mortgage - BER F
4.55%
1 Year Fixed rate
90%
Max LTV
F
BER Rating
€1,117.35
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER F
4.55%
2 Year Fixed rate
90%
Max LTV
F
BER Rating
€1,117.35
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER D
4.55%
3 Year Fixed rate
90%
Max LTV
D
BER Rating
€1,117.35
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed
4.6%
2 Year Fixed rate
80%
Max LTV
€1,123.05
Monthly payment
3 Year Fixed - EcoSaver Mortgage - BER E
4.6%
3 Year Fixed rate
90%
Max LTV
E
BER Rating
€1,123.05
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER E
4.6%
5 Year Fixed rate
90%
Max LTV
E
BER Rating
€1,123.05
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER G
4.6%
2 Year Fixed rate
90%
Max LTV
G
BER Rating
€1,123.05
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
1 Year Fixed - EcoSaver Mortgage - BER G
4.6%
1 Year Fixed rate
90%
Max LTV
G
BER Rating
€1,123.05
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed
4.6%
3 Year Fixed rate
60%
Max LTV
€1,123.05
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.
2 Year Fixed
4.65%
2 Year Fixed rate
90%
Max LTV
€1,128.76
Monthly payment
2 Year Fixed - EcoSaver Mortgage - BER Exempt
4.65%
2 Year Fixed rate
90%
Max LTV
Exempt
BER Rating
€1,128.76
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
1 Year Fixed - EcoSaver Mortgage - BER Exempt
4.65%
1 Year Fixed rate
90%
Max LTV
Exempt
BER Rating
€1,128.76
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER F
4.65%
5 Year Fixed rate
90%
Max LTV
F
BER Rating
€1,128.76
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER F
4.65%
3 Year Fixed rate
90%
Max LTV
F
BER Rating
€1,128.76
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed
4.7%
3 Year Fixed rate
80%
Max LTV
€1,134.49
Monthly payment
5 Year Fixed - EcoSaver Mortgage - BER G
4.7%
5 Year Fixed rate
90%
Max LTV
G
BER Rating
€1,134.49
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER G
4.7%
3 Year Fixed rate
90%
Max LTV
G
BER Rating
€1,134.49
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
10 Year Fixed - EcoSaver Mortgage - BER A
4.7%
10 Year Fixed rate
90%
Max LTV
A
BER Rating
€1,134.49
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
4 Year Fixed
4.75%
4 Year Fixed rate
80%
Max LTV
€1,140.23
Monthly payment
3 Year Fixed
4.75%
3 Year Fixed rate
90%
Max LTV
€1,140.23
Monthly payment
3 Year Fixed - EcoSaver Mortgage - BER Exempt
4.75%
3 Year Fixed rate
90%
Max LTV
Exempt
BER Rating
€1,140.23
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
10 Year Fixed - EcoSaver Mortgage - BER B
4.75%
10 Year Fixed rate
90%
Max LTV
B
BER Rating
€1,140.23
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER Exempt
4.75%
5 Year Fixed rate
90%
Max LTV
Exempt
BER Rating
€1,140.23
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed
4.8%
5 Year Fixed rate
80%
Max LTV
€1,145.99
Monthly payment
10 Year Fixed - EcoSaver Mortgage - BER C
4.8%
10 Year Fixed rate
90%
Max LTV
C
BER Rating
€1,145.99
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed
4.85%
5 Year Fixed rate
90%
Max LTV
€1,151.77
Monthly payment
10 Year Fixed - EcoSaver Mortgage - BER D
4.85%
10 Year Fixed rate
90%
Max LTV
D
BER Rating
€1,151.77
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed
4.9%
2 Year Fixed rate
90%
Max LTV
€1,157.56
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. T&Cs apply.
10 Year Fixed - EcoSaver Mortgage - BER E
4.9%
10 Year Fixed rate
90%
Max LTV
E
BER Rating
€1,157.56
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
10 Year Fixed - EcoSaver Mortgage - BER F
4.95%
10 Year Fixed rate
90%
Max LTV
F
BER Rating
€1,163.36
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed
5.0%
3 Year Fixed rate
90%
Max LTV
€1,169.18
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. T&Cs apply.
10 Year Fixed - EcoSaver Mortgage - BER G
5.0%
10 Year Fixed rate
90%
Max LTV
G
BER Rating
€1,169.18
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed
5.0%
5 Year Fixed rate
60%
Max LTV
€1,169.18
Monthly payment
7 Year Fixed
5.05%
7 Year Fixed rate
80%
Max LTV
€1,175.01
Monthly payment
7 Year Fixed
5.05%
7 Year Fixed rate
90%
Max LTV
€1,175.01
Monthly payment
10 Year Fixed - EcoSaver Mortgage - BER Exempt
5.05%
10 Year Fixed rate
90%
Max LTV
Exempt
BER Rating
€1,175.01
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed
5.1%
5 Year Fixed rate
90%
Max LTV
€1,180.86
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. T&Cs apply.
10 Year Fixed
5.15%
10 Year Fixed rate
90%
Max LTV
€1,186.73
Monthly payment
10 Year Fixed
5.2%
10 Year Fixed rate
80%
Max LTV
€1,192.60
Monthly payment
3 Year Fixed
5.25%
3 Year Fixed rate
60%
Max LTV
€1,198.50
Monthly payment
Progress 7 Year Fixed
5.35%
7 Year Fixed rate
60%
Max LTV
€1,210.32
Monthly payment
Progress 5 Year Fixed
5.55%
5 Year Fixed rate
60%
Max LTV
€1,234.15
Monthly payment
Progress 3 Year Fixed
5.75%
3 Year Fixed rate
60%
Max LTV
€1,258.21
Monthly payment
Variable
5.99%
Variable rate
60%
Max LTV
€1,287.38
Monthly payment
Progress Plus 5 Year Fixed
6.6%
5 Year Fixed rate
60%
Max LTV
€1,362.94
Monthly payment
Progress Variable
6.7%
Variable rate
60%
Max LTV
€1,375.51
Monthly payment
Progress Plus 3 Year Fixed
6.7%
3 Year Fixed rate
60%
Max LTV
€1,375.51
Monthly payment
Progress Plus Variable
7.0%
Variable rate
60%
Max LTV
€1,413.56
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 price data

Ireland’s average house price in the 12 months to May 2024 was €335,000.

The Residential Property Price Index (RPPI) shows house prices have increased by 8.2% over the last 12 months. House prices in Dublin increased by 8.6%; elsewhere in Ireland prices rose by 7.8%.

The cheapest place to buy a house is Longford, with a median price of €169,500, while the most expensive place is Dún Laoghaire-Rathdown at €626,000.

Source: Residential Property Price Index, CSO


What is a first-time buyer mortgage?

A first-time buyer mortgage is not a specific type of mortgage, although lenders may target some mortgage products at first-time buyers.

First-time buyers have access to the same mortgage deals as any other buyer, but they’re subject to specific affordability rules and can join help to buy schemes designed for first time buyers.

Who qualifies as a first time buyer?

You’ll qualify as a first time buyer if you:

  • have never taken out a mortgage loan either in Ireland or abroad
  • have been divorced or bankrupt and no longer have an interest in a previous property
  • do not own a principal private residence (PPR) in Ireland or abroad
  • will occupy the purchased property as your main residence

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 could consider you 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 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.”

Getting on the property ladder

Starting on your mortgage journey is exciting, but there are rules first time buyers need to know before the search begins.

To get a mortgage loan in Ireland, you’ll need a deposit. The amount you can borrow is limited by your income and the value of your chosen property. Understanding the mortgage market is crucial to finding the best mortgage for your needs and circumstances.

Here’s some terms you’ll come across:

  • The mortgage deposit: The amount you pay upfront
  • 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 your deposit and purchase price

You can learn more about how LTI and LTV work by reading our guide on how much you can borrow. There’s also a handy mortgage calculator to help you estimate the maximum you might be able to borrow.

What do you need to get a mortgage?

It depends on the mortgage provider’s lending criteria, but here’s what you’ll usually need to show you are creditworthy:

  1. A good credit history - a strong credit rating significantly impacts mortgage approval and interest rates
  2. The minimum deposit - the more you can save as a deposit, the lower your interest rate and mortgage repayments
  3. Stable employment or regular income - you’ll need to show how you intend to repay the mortgage loan. If you’re self employed, you must prove your income differently.
  4. Affordable outgoings - this indicates you are low risk and can afford the monthly repayments

How much deposit do first time buyers need?

A deposit is the money you pay upfront when buying a property.

You’ll need at least 10% of the purchase price of the property, which means your LTV will be 90%.

For example, if you’re buying a property worth €200,000, you’ll need a minimum mortgage deposit of €20,000.

The greater your deposit, the lower your loan to value (LTV) will be. To maximise your chance of mortgage approval, save as much as possible before applying.

Borrowers with a sizeable deposit and a low LTV are eligible for the best mortgage rates because they are deemed less of a risk.

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:

  1. Your income or combined income
  2. The value of the property
  3. Your financial commitments
  4. Your credit history
  5. 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.


How much can I borrow?

Choosing the right type of mortgage

Most mortgages in Ireland are offered with fixed rates or variable rates.

Decide on the duration of your mortgage term and shop around for the best terms and rates available from different lenders. Fixed rate deals and variable mortgage rates are available in Ireland.

Before applying for your mortgage, talk to a mortgage broker to decide which works best for you. A mortgage advisor can review your specific circumstances and recommend some suitable options.

  • 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 changes depending on the European Central Bank (ECB) interest rates. This means the cheapest variable rates, could at times, be lower than fixed rates but will fluctuate according to the market rates.

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

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 who are buying newly built homes and has recently 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 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 covers 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 market value of the home. 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.

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. Considering the average cost and APRC will help you accurately compare mortgage interest rates across different mortgage lenders.

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

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

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

  1. How much deposit you can put down
  2. How much you want to borrow (the mortgage amount)
  3. How long you need to borrow for (the term)
  4. The type of mortgage you want

Remember to factor in any product charges and legal fees. Cashback mortgages are worth considering but consider the potentially higher interest rate.

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

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.

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 19/07/2024