Irish First-Time Buyer · Updated Budget 2026
Up to €35,000 in tax back. Most buyers don't know they qualify.
Ireland's three first-time buyer schemes can add tens of thousands to your buying power. Check your eligibility in under a minute.
No account · No credit check · Free
How it works
Salary, savings, property type, and target county. Takes under 60 seconds.
Central Bank mortgage limit, Help to Buy, First Home Scheme, and LDA, calculated against the official rules.
A personalised breakdown showing exactly what you can buy and where government support applies.
Your data stays in your browser. We don't store or share it.
Your budget breakdown will appear here
Fill in your details to see which schemes you qualify for and what you can realistically afford.
Revenue.ie
HTB rules
Central Bank
Mortgage limits
firsthomescheme.ie
FHS rules
Put in a purchase price and we set a 10% deposit. Add anything extra you can put down, pick a rate and term, and see the monthly payment and the total cost of the mortgage.
Open the full mortgage calculator →First-time buyers need at least 10%.
Help to Buy refund, a family gift, or savings on top of the deposit.
A longer term lowers the monthly payment but costs more in interest.
Enter a purchase price to see your monthly payment and total cost.
Most buyers qualify for at least one. Many qualify for all three. The calculator checks everything at once.
Read the full buyer's guide →A tax refund on income tax you've already paid. Applied directly to your deposit. No repayment, ever.
The government shares equity in your home to bridge the gap. No monthly repayments. Repaid on sale or refinance.
State-built homes sold at a discount. Income-tested. Available in selected counties. Check lda.ie for active sites.
Everything first-time buyers ask us.