First-Time Buyer Hub
Every calculator, guide and checklist you need to buy your first home in Ireland. Free tools built for the Irish market — from mortgage approval to keys in hand.
Free Calculators
Affordability Calculator
How much can you borrow? Based on Central Bank 4× income rules, deposit, and monthly budget.
Calculate →Help to Buy Estimator
Up to €30,000 back in income tax. Check your refund based on tax paid over the last 4 years.
Estimate →First Home Scheme
The state takes an equity share to bridge the gap between mortgage + deposit and the price.
Check eligibility →Mortgage Comparison
Compare mortgage rates from Irish lenders side by side. Fixed vs variable, cashback offers.
Compare rates →Total Cost of Buying
Every cost beyond the price — solicitor, stamp duty, insurance, LPT, survey. The full picture.
Calculate →Local Authority Home Loan
Government mortgage at 3.55% fixed for 30 years. New April 2026 limits — check if you qualify.
Check eligibility →BER Cost Impact
See how a home’s BER rating affects your annual energy costs and green mortgage eligibility.
Estimate costs →Guides & Blog Posts
- Total Cost of Buying a House in Ireland 2026The €12,000–€25,000 in extra costs most buyers don’t budget for. Full worked example.
- First-Time Buyer Calculator GuideHow to use our calculators to plan your entire purchase.
- How to Stack Help to Buy + First Home SchemeCombine government schemes to dramatically reduce your cash outlay.
- Local Authority Home Loan 2026 — New Limits3.55% fixed for 30 years. Updated April 2026 income and price limits.
- New Build vs Second-Hand: Which Is Better?Pros, cons, and financial comparison for Irish first-time buyers.
- Green Mortgages Ireland: Save with a Better BERHow BER B3+ unlocks lower interest rates from Irish banks.
- Mortgage Switching Guide 2026Already bought? Save €20k–€60k by switching. ECB rate cuts make 2026 ideal.
Want more than calculators?
The Complete Buyer's Guide includes editable budget models, negotiation scripts, an 85-point snagging checklist, and everything else you need to buy with confidence. €59.
Get the Complete Toolkit →Stay Informed
Weekly Property Newsletter
Get the latest on mortgage rates, scheme changes, and property market updates — written for Irish first-time buyers.
Subscribe FreeTotal Cost Calculator
See every cost of buying a house in Ireland — stamp duty, solicitor fees, surveys, insurance, and LPT — in one personalised breakdown.
Try It FreeEnergy & BER
Get a BER Assessment
Legally required for all property sales. A better BER qualifies you for green mortgage rates — saving thousands.
Book at Homerating.ieSEAI Grants
Up to €25,000 for insulation, heat pumps, and solar. Check what you qualify for before you buy.
SEAI Grant CalculatorRequest a Callback from an Expert
Free, no-obligation callback from a qualified Irish professional. Choose your service and we'll match you with the right expert.
Thank you!
A qualified professional will be in touch within 24 hours.