The nine steps to buying your first home
1. Plan your budget
A simple guide to understanding how much you can borrow as a first‑time buyer in Ireland, and what costs you’ll need to plan for when buying your first home.
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2. Sort out your deposit
Find out how much you need to save for your mortgage deposit as a first‑time buyer in Ireland, and what banks look for when assessing your savings.
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3. Get mortgage approval in principle (AIP)
Learn what mortgage approval in principle (AIP) is, how long it lasts for and what you need to prepare before applying for a mortgage.
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4. Engage a solicitor
Find out more about what happens during the conveyancing stage of buying a home, the legal process that takes you from paying your booking deposit to officially becoming the registered owner of your new property.
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5. Find your new home
Figure out how to assess whether a home is the right fit for you once you’ve got mortgage approval in principle and have your solicitor in place.
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6. Make an offer
This section guides you through what to think about when you’re ready to make an offer on a home and what happens in the early steps after your offer is accepted.
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7. Sign contracts
This section walks you through what happens between receiving your formal mortgage approval and officially closing the sale.
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8. Mortgage drawdown
Prepare for the final stage of the mortgage process from valuations to formal loan offers and how to drawdown your mortgage.
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9. Get the keys
You are now a home owner, learn about useful resources to help you keep on top of your new expenses.
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