Irish First-Time Buyer Handbook · PDF · Instant delivery

The guide tells you how it works. This shows you what to do.

A 25-page PDF playbook covering every stage of buying: checklists, worked examples, document lists, and the steps in order. From figuring out what you can borrow to getting the keys.

Free guide

·Read online
·Overview of the process
·Good for understanding

This handbook

PDF to save and keep
Step-by-step playbook
Checklists and examples

PDF formatInstant email deliveryWorks on all devicesUpdated for Budget 2025

Full document checklist for mortgage AIP, nothing missed, nothing forgotten
Worked borrowing examples for single buyers, couples, and the self-employed
Side-by-side HTB and First Home Scheme comparison so you know which combination wins
Costs broken down by purchase price bracket, not vague ranges
Plain-English legal walkthrough: what your solicitor does and what you need to do
Written from Revenue.ie, Central Bank, and Citizens Information sources

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Based on official sources: Revenue.ie, Central Bank, Citizens Information

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This is right for you if...

You've used the calculator and want to know exactly what comes next

You're gathering documents for mortgage AIP and don't want to miss anything

You're starting to view properties but aren't clear on offers, surveys, and contracts

You'd rather have it saved offline than read it online once and lose track of it

What's inside

Before You Start

Am I actually a first-time buyer? The real all-in cost of buying. A realistic timeline.

How Much Can You Borrow?

Central Bank LTI rules in plain English. The stress test explained. Worked examples for single buyers and couples. Self-employment guide.

The Three Government Schemes

Help to Buy, First Home Scheme, and LDA Affordable Homes. Who qualifies, how to claim, common mistakes, and how to stack them.

Your Deposit Strategy

The 10% rule and exceptions. Gifted deposits and what banks allow. The 6-month savings history rule.

Getting Mortgage Approval

AIP vs formal approval. The full documents checklist. Broker vs direct and how to choose. What to do when AIP expires.

Finding & Buying a Property

New build vs second-hand. Reading a BER. Making an offer. What sale agreed actually means.

The Legal Process

What your solicitor actually does. Survey vs valuation and why you need both. Life assurance and insurance requirements.

Costs Cheat Sheet

Stamp duty, solicitor fees, survey, insurance and valuations with realistic ranges per price bracket.

Ready to stop wondering and start doing?

25 pages. Every step. Written from official Irish sources. Yours to keep.

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