First Time Buyers

Thank you for visiting

We are Mortgage Brokers.

We are authorised by the Central Bank of Ireland to advise on and arrange mortgages .

Key features of our business include:

  1. Our Company was established in 1994.
  2. We have helped thousands of clients in buying their homes.
  3. We provide a professional service and our customers are the centre of everything we do.
  4. We make the buying process easy for you and get you the best mortgage rates.

 Mortgage brokers currently account for over 50% of all new mortgage business in Ireland.


Some kind words from valued clients?

"Having just recently purchased my first home I have to thank all at Alyson, Shane and the whole team were a pleasure to deal with from the start and always kept me well informed with the progress of my application. What I thought would be a daunting task and potentially stressful time ended up being far from that thanks to the excellent customer service I received. 5 stars!"

Triona - happy in her new home in North Dublin!

Caroline...You can't see me but I am doing a dance. That's amazing news. Thanks so much for all your help- Also to Shane and Daniel who put up with all my questions. Thanks a million!

Ronan who was renting for many years bought a beautiful new house in Galway availing of the help to buy scheme.


We look after everything for you, from start to finish.

Mortgages are complicated and we take all the hassle out of the mortgage process.

The process is very interactive whether we are chatting to you about the mortgage application documents, the choice of lender, the choice of rates, issues around the house purchase itself, dealing with disappointments when you may just miss out on a house to sharing the joy and excitement when you get the keys.

  • We deal with Ireland's leading lenders on your behalf with rates currently starting at 1.95%
  • Our online application facility helps you track your mortgage online right through until you get your keys.
  • We also advise you on related insurances, house buying and negotiation, choosing professionals such as solicitors and surveyors and are always here to chat to you if you have any queries.


Our Service is free for all our first time buyers

If you are are ready to apply and feel you meet lending criteria for the amount you wish to borrow, you can register today and start the mortgage process. 

If you would like to make a preliminary inquiry and book a consultation with a consultant please complete our Enquiry form.

If you ready to complete a formal application you can apply online now and upload your documents to our secure mortgage application portal at


Typical Lending criteria:

  • Maximum mortgage 3.5 times gross income
  • Secure employment for at least one year
  • Irish Resident
  • Clear evidence of affordability
  • Good credit history 

Typical example of a qualifying couple:

John and Mary have been renting for 3 years and are fed up paying rent. They have been paying rent of €1,500 a month and are savings €1,200 per month. There salaries are €40,000 and €45,000. John is working in the family business for 6 years and Mary is a nurse. They have €30,000 in savings and have been offered a gift from John's parents of €25,000.The have a good credit record.

Their maximum mortgage will be €297,500 (3.5 times the gross salaries) which will represent up to 90% of the purchase price. This will enable them to purchase a house for up to €330,500.

Subject to providing all the necessary evidence in regard to the facts above, they will be approved at the level stated.

Help to buy Scheme for first time buyers


First time buyers can get assistance towards the price of a new home up to a maximum of €30,000.

To claim HTB, you must:

  • be a first-time buyer
  • buy or build a new property 
  • live in the property as your main home for five years after you buy or build it
  • be tax compliant, if you are self assessed you must also have tax clearance..

To qualify, you must not have previously bought or built a house or apartment, either on your own or jointly with any other person. If you are buying or building the new property with other people, they must also be first-time buyers. If you have inherited or been gifted a property it will not affect your eligibility.

If you are buying the property, you must have signed a contract to buy that property on or after 19 July 2016. If you are self-building, you must have drawn down the first part of the mortgage on or after that date.

The Help to Buy (HTB) incentive is a scheme for first-time property buyers. It will help you with the deposit you need to buy or build a new house or apartment. You must buy or build the property to live in as your home.

The incentive will give you a refund of Income Tax and Deposit Interest Retention Tax (DIRT) that you paid in Ireland (minus any refunds you have already claimed). The refund will be from the four years prior to making the application.

The amount that you can claim is the lesser of:

  • €30,000 
  • 10% of the purchase price of a new home.
  • the amount of Income Tax and Deposit interest retention tax you have paid for the four years before you make your application.

The maximum payment is €30,000 per property). This cap applies regardless of how many people enter into a contract to buy a house.

Universal Social Charge (USC) or Pay Related Social Insurance (PRSI) are not taken into account when calculating how much you can claim.


Making the mortgage process easier through careful preparation


  • Set some simple realistic savings goals.
  • Become highly organised in any aspect of life that impacts on your finances
  • Have all the financial documents uploaded safely in pdf format.
  • Prioritise paying off debt.
  • Keep your finances simple - close unnecessary accounts and make your savings easy to verify.
  • Be prepared to stretch yourself when buying.
  • Choose location as the key factor when buying. You have heard it all before and its true!

Read more about self build mortgages »

Also in This Section

How Much Can I Borrow?
· Borrowing Limits Examples · New Mortgage Lending Regulations Jan 2015
Will I Qualify for a mortgage?
Learn more about fundamental principles of mortgage approval: what is the maximum limit, how much of a deposit you need and so on.
Mortgage Lender and Product Choices
Guide to Irish mortgage lenders and the facilities they provide.
Step by Step Guide
This is our step by step guide to mortgages for first time buyers.
Getting Mortgage Approved
Explanation of the basic steps for getting your mortgage approved.
What Happens When You Contact Us?
· Mortgage Protection and the Corona Virus
Top Ten Mortgage Tips
Essential tips for first-time buyers.
Mortgage Interest Calculator
Calculate the capital/interest ratio over the lifetime of your mortgage.
Payment Accelerator
Calculate the effect of increasing your mortgage payments to pay of your mortgage early.
Budget Planner
A useful tool for calculating your household budget.