Mortgages For First Time Buyers

Start your mortgage journey with Cornmarket

First time buyers

We're with you every step of the way in the mortgage process - from preparing your application to getting the keys.

How to prepare

Before you apply for your mortgage, it’s important to tidy up your finances. You should start saving a reasonable amount of your earnings every month. Also try to clear any loans you have, in particular your credit card bills and overdrafts. This will enable us to apply on your behalf for the maximum mortgage amount, under Central Bank rules.

Check out our Mortgage Application Checklist here.

Help to Buy (HTB) Incentive

If you're buying a newly built home, you can claim a tax refund of up to €20,000 with the Help to Buy (HTB) incentive.

Before you can claim this, you must file your Form 12 (if you are PAYE) or Form 11 (if you are self-assessed) for the most recent 4 tax years.

Applying is straight forward, see Revenue Online Services for more information. 

How buying your first home works

Buying your first home can seem like a daunting process. Read our article 10 steps to buying your first home.  

Self build mortgages

If you are planning to build your new home, either on a site you own or one you intend to purchase, then get in touch with us. We are the experts in Self Build Mortgages.

Warning: If you do not keep up your repayments you may lose your home.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Warning: The cost of your monthly repayments may increase.

Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.