Buying a house in ireland for cash

When you are saving for a deposit, work out where your money is going and how much you can afford to put away.

How long does it take to buy a house in ireland with cash

How to buy a house in ireland with no deposit

Buying a house in ireland as a foreigner

Buying a house in ireland checklist

How much is a booking deposit for a house in ireland

We have lots of tools to help you:

First-time buyers

If you are a first-time buyer you can borrow up to 4 times your gross annual income. A 90% limit will generally apply to the mortgage you can get. This means you will need a minimum deposit of 10%.

Example

If you can afford to buy a house worth €250,000, your lender may lend you up to €225,000. You will need to have the remaining €25,000 yourself.

The Help to Buy (HTB) incentive is a scheme to help first-time buyers get a deposit for a home.

How long is the process of buying a house in ireland

It allows you to claim back tax that you have paid in Ireland the last four years. The relief available to first-time-buyers was increased in July 2020, and this increase has been extended in subsequent budgets. This increase which is known as the Enhanced Help to Buy Scheme was extended until 31 December 2022 in Budget 2022.

The amount that you can claim is the lesser of:

• €30,000 (previously €20,000)

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