First Time Buyer

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Mortgage product features

Whatever you need, we have the mortgage for you

In general, a mortgage of up to 3.5 times your gross annual income (combined income for joint applicants) is available to first-time buyers.

First-time buyers can borrow up to 90% of the property value.

For example:
Property Price €250,000
90% of €250,000 €225,000
Deposit required (10%) €25,000

If you’re buying with someone else you must both be first time buyers for the mortgage to be considered a first-time buyer mortgage.

Terms of up to 35 years are available to first-time buyers (to maximum age 70).