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First thing’s first – set up a savings account and start putting money away every week or month to ensure you have a deposit ready when the time comes! If you’re a first time buyer you will need 10% of the property value as your deposit; if you’re a second time buyer you will need 20%.
Proof of Income
Prepare the documents that you will need in order to show the bank or lender that you have an income to support the mortgage amount you are looking to borrow.
Check Credit History – Everyone who applies for a mortgage will need to pass a credit check, which is an assessment of your financial history. This will highlight any previous loans, debts, arrears and your track record on meeting repayments to demonstrate sensible money management. If you aren’t sure what your credit history is, you can request an free evaluation from the Irish Credit Bureau via the Central Credit Register website.
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As well as providing your proof of income with recent payslips, there are other documents you need might depending on the lender and whether you’re a first time buyer/self employed/building your own home. Other documents you’ll usually need to provide:
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Research Available Home Buying Initiatives
There are supports available for those looking to purchase properties such as the Help to Buy Scheme or the new First Home Scheme (introduced in 2022). You can find out more on the Citizens Information website which includes eligibility and criteria required to avail of these schemes.
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Before you decide on a lender, make sure to research and shop around first! Take the time to compare interest rates to give you a better understanding of your monthly repayments. You can then decide between a Fixed or a Variable Mortgage Rate:
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