Good to know:
The Central bank’s mortgage lending rules limit how much you can borrow. The limit is currently four times the gross annual income for first time buyers.
If you are a first time buyer, the Help to Buy Scheme is there to help with your deposit. Details of this scheme can be found Help to Buy (HTB) scheme
The First Homes Scheme was introduced in late 2022 and is also there to assist first time buyers with
the cost of their new home. Further details can be found here Home
Some mortgage lenders will offer you cash back.
Having other loans can reduce the amount you can borrow.
It’s not a good idea to change jobs right before applying for a mortgage.
Mortgage protection (life insurance) is compulsory for all mortgage holders.