First time buyers

Your first home, doddl'd

From “how much can I borrow?” to approval, application and getting those keys!. We make mortgages for first time buyers easy, at no cost to you.

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The best mortgage rates in Ireland

Working with all major lenders, we’re able to make sure you’re getting the best mortgage rate on the market. Working with your free doddl advisor, we’ll make sure that your choice suits you today, and into the future.

Rates correct as of today, Wednesday, Apr 24
Rates may change and rate is set at date of mortgage draw down.

VARIABLE

3.75%

Ireland's best variable mortgage rate available today

FIXED

3.45%

Ireland's best fixed mortgage rate available today

LOCK IN

30 years

Ireland's longest fixed term mortgage available today

First time buyer mortgages made easy

Let us guide you through all the steps, from how much you can borrow, to getting first time buyer mortgage approval, all the way to getting those keys!  We’ll even support you with expert advice on insurance, conveyancing and surveys with our exclusive home buyer helper service.

All at no cost to you.

couple drinking coffee in new home - first time buyer mortgages - doddl

We work with all major lenders, at no cost to you

When buying your first home, you need to know the best option from all available lenders.

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Ireland’s first Home Buyer Helper service

Our free, in-house property advice service. Don’t go through buying your first property alone.

girl on laptop in bedroom - online mortgage application ireland - doddl

Manage everything in your online mortgage tool

We make it easy for first time buyers. Prepare and manage your mortgage application online.

All lenders, one portal

The digital mortgage experience (DMx)

Get ‘approval in principle’ before you start bidding on your first home, and manage your full application all the way to draw down with dedicated support from start to finish.

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ireland online mortgage tool doddl dmx

First time buyer mortgage application steps

We’ve helped thousands of first time buyers get mortgage approval. Let’s get you into your new home.

1.

Tell us a little bit about you

Just the basics – your income, what you’re looking for in your first property

2.

We'll let you know how much you can borrow

Working with all major lenders, we’ll show you what first time buyer mortgages are available in clear and human terms.

3.

Get hunting for, and bidding on your first home

Confident that you’re good to go with ‘approval in principle’, and with your expert advisor just a click or call away.

4.

Go "Sale Agreed" on our first home

Decide on the best lender, mortgage rate and term for you online, but with expert advice from a real human throughout. We can even pick up a phone if you’d prefer!

5.

Finish quick with AI and Open Banking

We’ll take care of everything else, all the way through to drawdown and transfer of funds and through sorting your insurance and legals.

6. (optional)

Tell a friend how to doddl their first mortgage

We’re on a mission to make owning your first home a whole lot easier. Give the gift of doddl.

Happy first time homebuyers across Ireland

4.8 out of 5 Google Rating

Discover how we make buying your first home easy from other first time home buyers.

We had a brilliant experience with doddl and would highly recommend their service to anyone seeking a mortgage in today’s market.

We first contacted doddl in early March 2023, and have now closed our sale and received the keys to our home by mid June 2023. We couldn’t have asked for better. Thank you to the entire doddl team!

James Taylor

July 2023

We couldn’t recommend the team at doddl highly enough. From start to finish the process was exceptional and the team were very professional. Their portal is user friendly and the team were always available for any query no matter how big or small. A very special thank you to Mairead, Catherine (applications team) Elaine and Caitriona (completions team) – they truly took the stress out of the mortgage process.

Orlaith Rafferty

August 2023

Kate, Caoimhe and the team at doddl were brilliant start to finish as our brokers.

Communication was brilliant and they went above and beyond contacting our lender and solicitor to get completion over the line as quick as possible. The online portal is so easy to use and they were always available to help if we had any issues. Highly recommended!

Emma McLean

September 2023

Impeccable service. It can be difficult to choose a service like a mortgage broker, knowing who best to trust. We found the staff at doddl to be very polite and friendly, highly efficient, well informed, very considerate of our needs, and they seriously helped to make the purchase of our home a smooth and enjoyable one. Have already recommended them to family and colleagues. doddl is definitely an appropriate name for the company and the service they provide!

Gerard Doyle

August 2023

First time mortgages FAQ

Questions are for answers. Here’s everything you need to know about first time buyer mortgages.

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How can doddl help?

At doddl we are a team of over 45 mortgage specialists who work in mortgages every day. If you feel overwhelmed and dont know where to start then speak to one of our advisors.

We deal with thousands of mortgages every year both for purchasers and switchers. We work with all major banks and providers in Ireland and offer lowest market rates, Green rates, cashback offers and all flexible terms. 

You dont need to know everything about mortgages because we do!

Our role is to work with you to secure the best mortgage for your personal circumstances. We will look to establish your requirements and needs and look to find the mortgage that best suits you.

Whether you are in research mode planning to make an application in the near future or are ready to progress to get Approval in Principle in place so that you can start house hunting we are here to help.

We work with home purchasers and mortgage switchers. Our aim is to be your mortgage partner throughout the life of your mortgage, working with you to review your mortgage at regular intervals to ensure you do not pay more than you need to.

We dont just do mortgages, we offer life cover, home insurance, a digital conveyancing legal partner, a home buying helper. Our DMx Mortgage Application portal allows you to engage with us anytime, anywhere and your stage in the process is transparent 24/7 via your secure account on our DMx platform.

Our service is always free to you our valued customer, you will never be charged a fee by doddl. We get paid by the provider you choose to take your mortgage or insurance with and really important to note the payment we receive is the same regardless of the mortgage lender.

Our team are normal people who will work to answer any of your questions and will break down the complex mortgage process and support you throughout. Get in touch, we would be delighted to help!

Do I need to pay doddl?

Our service is 100% free of charge to our customers.

Like all brokers, our fee is paid by the lender or insurance provider you choose to take your mortgage or insurance product with.

We receive the same fee regardless of the lender you choose to take your mortgage with and you will get access to lowest market rates, cashback offers, Green rates and flexible terms by taking your mortgage with doddl.  

We work with all major lenders and insurance providers in Ireland. 

Let us take the stress out of securing your mortgage, its what we do. 

What is a mortgage broker?

A mortgage broker is a person or company who arranges your mortgage with a mortgage lender.

Brokers offer access to multiple lenders and at doddl we offer mortgages for all major lenders and insurance from all major insurance providers. 

We are essentially a distribution channel for the banks so instead of you having to go to each bank individually to understand what they offer, we do that hard work for you. 

Some brokers charge a fee, at doddl we do not. 

As a broker we are regulated by the Central Bank of Ireland and our role is to work on your behalf to find the best mortgage to suit your needs.

If you go to one bank they will only offer you their rates and terms, if you go to doddl we can offer you the rates and terms for all lenders and providers we work with and can advise on which will best suit your needs.

Our aim is to be your mortgage partner throughout your mortgage lifecycle. Always here to help and offer support.

 

 

How much can I borrow?

When banks assess a mortgage application they look at three key pillars for lending -

1. Income - banks can allow you to borrow up to 4 times 'allowable income' if you are a first time buyer or 3.5 times if you are a second time buyer. 

Allowable income is taxable income including gross annual basic income, a portion of variable income once proven.

Exceptions are available to go above this 3.5 and 4 times limit and lenders grant exceptions on a case by case basis.

We have full access to all lenders credit policy at doddl so can advice exactly how much each will lend to you.

2. Loan to Value

Irish residents qualify for a loan to value of up to 90% for Irish properties under Central Bank lending rules.

As such you need to have 10% of the proposed purchase price as deposit (plus additional funds for transaction costs such as stamp duty and legal fees).

3. Clear evidence of repayment capacity

Every mortgage lender will need to see that you can afford the proposed mortgage repayment. The banks will take your proposed mortgage rate and 'stress test' the current interest rate at 2% above the actual rate (to allow for rate increases) and they will want to see that you have proven in the last six months that you can afford the proposed stress tested repayments. This can be demonstrated by way of rent currently paid, savings or loans discontinuing.

Your mortgage advisor at doddl will work through each of the above areas of your application with you and ensure we present the best possible case to the bank for approval. Its what we do!

Check out our mortgage calculators to find out how much you can borrow.

Who offers the best mortgage?

If there was one 'best' lender then our job would be very easy!

There are a wide range of mortgages available on the Irish market and rates vary significantly. When we work with a client we will be looking to identify their needs with regard to mortgage level, rate, term, any flexible benefits such as overpayment that may be required plus cashback options. 

Every mortgage application is different and what we look to do is to find the best mortgage for our customers circumstances. 

Circumstances can change over time and so can rates so we would work with our customers on multiple occasions to review their interest rates and financial position and switch mortgage as needed.

What is a mortgage?

A mortgage is a loan given by the bank to a customer or joint customers to buy a property.

The loan is secured on the value of the property.

Repayments are paid monthly on a mortgage and level of repayment depends on the mortgage balance, interest rate and mortgage term.

First time buying, without the hassle

When it comes to getting your first mortgage, there can be a lot of guesswork and jargon. We take away all of that stress and make sure you’re on the road to your perfect home.

Home buying news and insights

We’re the mortgage experts the media call on!

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