First Time Buyers

Buying your first home will be one of the most important decisions you will ever make, both emotionally and financially. I remember buying my first home and I found it daunting and I was in the mortgage business at the time! We can help if you want to know.

  • Do you qualify for a mortgage?
  • How much money can you borrow?
  • How much of a deposit you will need?
  • How long it will take to get approval?
  • What documentation you need to get approval?
  • How long the approval will last?
  • Which lender has the best rates?
  • What is the longest term you can get?
  • Should you go fixed or variable?

Would you like to talk to someone you can trust and who will give you the best options based on your circumstances ?

If the answer to any of these questions is yes then you should contact us right now on 021-4905000 or email and see how we can help YOU. (No obligation).

PS: We have helped 1000’s of first time buyers... just like you.

Call 021-4905000 now to make an appointment.


  • If you do not keep up with payments, you may lose your home.
  • The cost of your monthly payments may increase.
  • The value of your investment may go down as well as up.
  • This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.
  • You may have to pay charges if you pay off a fixed-rate loan early.
  • The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.

A Better Choice Ltd. Reg Company Number : 372145. Reg. Office 60 South Mall, Cork. A Better Choice Ltd. t/a ERA Downey McCarthy is regulated by the Central Bank of Ireland.