First time buyer mortgages

When buying your first home, we know you’ll need some help along the way. That’s why’ve designed our mortgage service around you.

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Where to beginAn overviewOfferCashback PLUSUp to 3%SaveMortgageSaver€2,000 savings bonusOur calculatorsCalculateUnderstand the figuresView our ratesFixed or variable

Open a MortgageSaver account and we’ll top up your savings by €2,000 *

At Bank of Ireland we understand the challenges facing First Time Buyers in saving to buy a home. We want to help, with a €2,000 Bonus Interest on your savings when you draw down your Bank of Ireland mortgage.

With a MortgageSaver Account you can:

  • Open an account online in minutes; there is no need to go to a branch, just upload your identification and address verification documents during account opening.
  • Pay your direct debit from any Republic of Ireland current account (You do not need a Bank of Ireland current account to open this account).
  • Available to Republic of Ireland (ROI) residents only, aged 18 or over.
  • One account per customer in sole or joint names.
  • Option to add lump sum lodgements of up to a total value of €20,000, in any branch.
  • Save monthly by Direct Debit – Minimum €200, Maximum €2,500 per month.
  • Have instant access to your money in any Bank of Ireland branch (you will need to bring photo ID with you), or through 365 online if you are a registered customer.

MortgageSaver and MortgageSaver Bonus Interest Terms and ConditionsViewPrint
For more information on the MortgageSaver Bonus Interest, please read the MortgageSaver brochureViewPrint

Apply for your MortgageSaver today

Apply online Find out more* Bonus Interest is subject to DIRT at the prevailing rate and will be paid to your account net of DIRT. First Time Buyers may be entitled to claim a refund of DIRT. For more information see the Revenue.ie website. Bank of Ireland cannot take responsibility for information on third party websites.MortgageSaver is provided by Bank of Ireland. Bank of Ireland is regulated by the Central Bank of Ireland.

What you need to open an account

If you’re not a Bank of Ireland customer, to open an account online you need the following documents available to upload during the application:

  • Your passport
  • Your current account bank statement (From any Irish bank)
  • A second document to verify your address, for example your driving licence or gas/electricity bill

Some reading you might find helpful

Ready to move forward with your application?

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You can also request a callback or call us on 1890 365 345. Our phone lines are open Monday to Friday from 8am to 8pm and Saturdays from 10am to 2pm.

Bank of Ireland Mortgage Bank trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland