First Time Buyer Mortgage

Your first step on the property ladder starts with us.
We’ll take care of it for you.

Award Winning Team

First Time buyers ireland appointment

Mortgages general backup
Do you have any previous arrears/arrangements on credit agreements? (This applies to both applicants on joint applications)
Are you self-employed or an employee?
Do you have any unpaid direct debits in the last 6 months? (This applies to both applicants)
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Benefits of Lowquotes Mortgages

Proven Track record of gaining acceptance

Access the lowest rates on the market

2% Mortgage Cashback Offer

Indicative Approval in 72 hours after assessment

Applying for your First Time Buyer Mortgage online

Step 1

Enter your details

Your dedicated award winning mortgage advisor will guide you
through your application.

Step 2

Log In

Log in to your digital application portal & upload your documents.

Step 3


Fast-track Mortgage Approval

First time buyer mortgage

It doesn’t matter what your current situation or state of the buying process you are at. We will always offer expert advice to make the process of applying for your first Mortgage seamless and straight forward. We’re always only a phone call away.

How to get started as a First Time Buyer

All you have to do is click ‘Book an appointment’, enter some quick details and one of our award-winning Mortgage advisors will get in touch with you on the date & time you specified. After your call you will be sent a link to our state-of-the-art online application portal, which streamlines the mortgage switching process, allowing you to upload your documents and get the approval online for your new mortgage.


For your first mortgage, you will require a minimum of a 10% deposit. You may be eligible for the HTB incentive of up to €30,000.


You will require 6 months of pay-slips and bank statements to apply for your Mortgage online.


Once your lender has approved your loan, you can make an offer on your new home.

Online First Time Buyer Application Tutorial

Watch how seamless and straight-forward Applying for your first mortgage is. In under 10 minutes you can complete your application. All with guided assistance from your very own dedicated Mortgage advisor.

Calculate First Time Buyer monthly repayments

Loan CalculatorMortgage Calculator
Mortgage Calculator
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Want to get started with your first mortgage? Need more advice?

Book an appointment to speak with one of our Expert Mortgage Advisors by clicking Book an appointment. Enter your details and our Mortgage team will contact you on the time and date you select and assist you with your First Time Buyer Mortgage query.

Your First Time Buyer Mortgage Questions Answered

The most common maximum borrowing amount is 3.5x your annual gross salary (Some exceptions may apply). This is based on a single income application. If it is a dual application it is 3.5x both annual salaries combined.

Before you apply for your Mortgage, you are required to have 10% of the loan value of the property.

For example, If you require a Mortgage of €200,000 – You would require a deposit of €20,000.

With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between you and the lender.

Variable rates allow you to increase your re-payments, you can also use a lump sum to pay off all or part of your mortgage, or re-mortgage without having to pay any fixed rate breaking fees. However, variable rates can rise and fall meaning your mortgage repayments can go up or down during your Mortgage term.

LTV (Loan to value) – This is a percentage figure which represents the difference between your mortgage loan and the value of your property. For example if your mortgage is €100,000 on a property valued at €200,000, your LTV rate would be 50%.

LTI (Loan to Income ratio) – The rate of generally how much you are allowed to borrow. As a general guide, this is a maximum of 3.5x your annual income before tax. Some exceptions may apply.

This is the amount you owe excluding costs and interest. This is also known as the “Principal” of your loan.

This is when you are given an indication of approval from our first discussion with you, without having to see any documentation. This is not guaranteed approval.

The date the mortgage must be repaid in full, or by which a new agreement needs to be taken out.

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.