Mortgage news & insights

The First Home Scheme can be a fantastic way to bridge the affordability gap and get onto the property ladder. But remember, it’s not free money. You are exchanging a percentage of ownership in your new home for funds today to help you buy that home. Who takes the...

Budget 2027: What changed for home buyers? Help to Buy: €30k → €35k (a €5,000 uplift but no uplift in property value threshold of €500,000 which restricts many) Rent-a-Room: €14k → €16k tax-free (go above this limit and the full amount is taxable) Qualifying garden...

The Help to Buy and First Home Schemes are used by our clients purchasing new build homes to help buy their first home or self build. The First Home Scheme can also be used to purchase a home your landlord is selling under the Tenant Purchase Scheme. Here are some...

What is the first home scheme and can I use it with the help to buy scheme? 67% of people who avail of the first home scheme also use the help to buy scheme so how do they both work together? The HTB and FHS’s can be used together to help fund different parts of a...

Today the ECB increased their main refinancing rate from 2.4% to 2.65%, the second rate increase in three months. With inflation in the Euro area at 3.3% (3.7% in Ireland), far ahead of the ECB’s target level of 2% and with two more European Monetary Policy Meetings...

These 5 figures help explain what’s happening in the mortgage & property market in Ireland. 1. What is the average income of a newly mortgaged first time buyer? €95,000 — The average household income of a mortgaged first-time buyer is now around €95,000. 2. What...