Mortgage news & insights

This week one of the main banks increased its mortgage rates, if you are confused about where rates might go to next, here is our take on the current rate environment. Why do mortgage interest rates increase? Banks (excl. non-bank lenders) fund their mortgage lending...

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...