Buying your first home

What an exciting time – the first home of your own! We’re sure you’ve lots of questions about the process of buying and our Mortgage Adviser team will be only too happy to talk to you in as much detail as you need.

Best of all, we can provide you with Approval in Principle in just 24 hours allowing you to house hunt with confidence. So why not make that call and get started on the road to your new home.

  • The details

    • Borrow up to 90% of the value of the home you want to buy.
    • Up to 30-year terms available
    • Minimum of 5-year terms available
    • Borrow up to €450,000
    • Gifted deposits from family considered
    • Rates as low as 3.10% (3.23% APRC*)
    • Arrangement fee of 0.5% of the mortgage amount, up to a maximum of €1,800
    *Annual Percentage Rate of Charge
  • Interest rates

    Our rates are based on your employment type and credit history. For PAYE workers, click here. If you’re self-employed or on a contract, click here. If you’ve had credit issues in the past, click here.
  • Your Mortgage Calculators

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    How much can I borrow?

    Calculate my repayments

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    Let’s talk mortgages

    Would you like to talk to a Lending Specialist about buying a home? One-on-one help is just a click away.
    The Lender is Pepper Money. Lending criteria and terms and conditions apply. Monthly repayments for a typical mortgage of €100,000 over 20 years (240 instalments) at the current Variable Rate of 3.60% is €585.11. A 1% interest rate rise would increase monthly repayments by €49.21 per month. The Annual Percentage Rate of Charge (APRC), based on a rate of 3.60% variable will be 3.75% and includes a €150 Valuation Fee, a Mortgage Charge of €175 paid to the Property Registration Authority and an Arrangement Fee (based on 0.5% of the mortgage loan amount up to a maximum of €1,800) as detailed as part of mortgage loan application process. Additional fees may apply on a case by case basis. The amount you pay is €142,410.60. We require life and property insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value for First Time Buyers). The cost of your monthly repayments may increase.