The real cost of buying your first home in Ireland — not just the mortgage, but everything. Stamp duty, legal fees, valuations, and the stuff nobody tells you about.
Your Details
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€
%
€
Your Buying Power
Maximum Property Price
€332,500
based on 4× income + deposit
Mortgage
Max Mortgage (4× income)€300,000
Deposit Required (10%)€33,250
Monthly Repayment€1,403
Upfront Costs
Stamp Duty€0
Legal / Solicitor Fees€3,500
Valuation Fee€185
Surveyor / Snag€450
Land Registry€800
Moving Costs (est.)€1,500
Total Cash Needed€39,685
Help to Buy
HTB Tax Refund (est.)€30,000
Effective Savings Needed€9,685
Repayment vs Net Income27%
Comfortable — lenders typically want under 35%
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