First Time Buyer

First Time Buyer Mortgage

Your first step on the property ladder starts with us.
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First time buyers guide - LowQuotes

THE ULTIMATE GUIDE FOR FIRST-TIME BUYERS

Get instant access to a complete GUIDE that will save you the hassle and prepare you for a mortgage, providing a convenient checklist of essential documents and step-by-step instructions to help you secure your dream home. Don’t wait, download now!

Meet our team of expert Advisors

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

Approval

Fast-track Mortgage Approval

Google Reviews

Uday BashaboinaUday Bashaboina ★★★★★ Best deals for mortgage protection. I recommend "low quotes". Time saver as there wont be any queue/call waiting if you want to talk to them. It is a direct phone which rings and they answer straight away. Talking to Alison was really great to deal with. Money saver compared to other insurance providers.Trisha FallonTrisha Fallon ★★★★★ Found Low Quotes very easy to deal with, very informative and communication regarding every aspect excellent especially staff member Michael.Jack ColdrickJack Coldrick ★★★★★ I reached out to LowQuotes.ie in relation to securing mortgage protection. I spoke with one of their financial advisors - Colin Bailey who was incredibly helpful, insightful and transparent. I'm not well versed on these things and he took the time to explain everything in detail and ensure I was comfortable moving forward. Thank you Colin! I'd highly recommend LowQuotes.ie.norman murraynorman murray ★★★★★ Very happy with my policy through lowquotes...was dealing with Dylan who was very helpful in every aspect and went up and beyond to help me out and get the best policy possible to suit me...will definitely be recommending family and friends to deal with Dylan.Thanks again for all your help Dylan your a great asset to lowquotes 🙂Cameron ElliottCameron Elliott ★★★★★ In a generation where trust and loyalty isn’t everyone’s first priority. I have never felt more looked after in regards to insurance advisory and future planning than in the very capable hands of Mr Dylan Cadwell. A 5 star service from the beginning this is a man who is passionate and driven in giving truly a first class service to all his clients and potential clients no matter what the circumstances or obstructions might be. All I can really say is that if you’re not on board now, it’s time to get the ball rolling before it’s too late, Dylan Cadwell is a true professional who won’t let this opportunity get away.kevin braneykevin braney ★★★★★ I recently had the pleasure of working with Dylan, my financial advisor, and I couldn’t be more grateful for his expertise and guidance. He helped me set up a health care plan that perfectly suits my needs and those of my two kids. Dylan’s knowledge and professionalism were evident throughout the process, and he patiently answered all my questions. I highly recommend Dylan for anyone seeking financial advice and assistance. Thank you, Dylan, for your outstanding service!MartinMartin ★★★★★ I would like to thank Richard from lowquotes for helping me find mortgage protection, I was very stressed because I was refused already but Richard made everything stress free and as I work office hours it was no trouble for him to arrange a meeting to suit my needs, everything was done efficiently and smoothly and all email communication was quick, thanks for your help Richard it’s really appreciatedCian ReddyCian Reddy ★★★★★ Dealt with Dylan Cadwell , incredible attention to detail and customer service. Unbelievably helpful from the get to and made the process so easy. Will definitely be going back and dealing with this company and with Dylan again.Sheehan SinhaSheehan Sinha ★★★★★ Had a really great experience with low quotes. Big shout-out to Richard Westman who was extremely professional and helped us through out mortgage protection process very easily. We didn't have to worry about anything. I would recommend low quotes and go through Richard. Really great guy and extremely helpful.Aaron SheehanAaron Sheehan ★★★★★ Finally got some great help getting insurance, thanks so much with your help guys and Dylan cadwel you were great over the phoneLeanne MullenLeanne Mullen ★★★★★ Amazing service provided by Dylan Cadwell! Extremely professional and thorough experience throughout the whole process of implementing my cover! An absolute gem and went over and beyond to get me the best cover! I have recommended Low Quotes/ Dylan Cadwell to all my friends and family! Thank you Dylan for all your help!Eoghan FarrellEoghan Farrell ★★★★★ Dylan Cadwell was very helpful today couldn’t recommend him any more!Michelle GaviganMichelle Gavigan ★★★★★ Dylan Cadwell was very helpful and thorough in helping me find the best level of cover and protection. His advice and knowledge was fantastic and I am very happy I committed to speaking to low quotes !Luke ByrneLuke Byrne ★★★★★ Dylan provided outstanding financial advice, and the experience of dealing with him was truly enjoyable. Highly recommend his services!Marcin LisMarcin Lis ★★★★★ I contacted LowQuotes.ie today looking for a professional financial advice and it is safe to say that I received just that. Dylan Cadwell has outdone himself and walked me through every little bit of information that was relevant to my situation and made it very simple and easy to understand. I couldn’t recommend LowQuotes and Dylan more to anyone looking for a financial advise. Thank you!Cody McGrathCody McGrath ★★★★★ Great service particularly from my financial advisor Dylan Cadwell. One of the best in the businesseimear sherwineimear sherwin ★★★★★ I would just like to thank the team at low quotes for helping me get the perfect policy in place for me and my family, our financial advisor Dylan Cadwell in particular who tailored a policy to suit out individual needs! The service and wealth of knowledge was next to none! I would highly recommend Dylan and low quotes to anyone!ornaith o'riordanornaith o'riordan ★★★★★ We dealt with Colin and he was absolutely brilliant. Everything was explained perfectly and quickly and he made the process of getting our mortgage protection so quick and easy.Would 100% reccommend LowQuotes.ie and ask for Colin!Adam HollandAdam Holland ★★★★★ Very nice people to work with. Would recommendMarie-Lou DempseyMarie-Lou Dempsey ★★★★★ Great service from Colin Bailey who patiently covered all the options and answered all my questions, Mortgage protection cover sorted!Jeomerly-Anne ChicoJeomerly-Anne Chico ★★★★★ Many of my colleagues advised me to take a Life Insurance Policy. LowQuotes Colin Bailey helped me and my partner understand our needs and is very patient with our queries. Highly recommended.Mark ReynoldsMark Reynolds ★★★★★ What a great service and well educated staff highly dedicated to meeting my needs most notably Dylan Cadwell's exceptional attention to detail while providing services was truly commendable.His thoroughness and precision not only instilled confidence but also ensured that every aspect of the financial process was handled meticulously. I highly appreciate his commitment to delivering a service marked by keen attention to detail. His knowledge expands over a wide range of areas and I wish you luck in your future endeavours.Thank youPaulo SousaPaulo Sousa ★★★★★ I recently had the pleasure of engaging with Dylan for insurance and mortgage protection services, and their commitment to outstanding customer service exceeded my expectations!When I reached out to inquire about insurance and mortgage protection options, he demonstrated an unwavering commitment to providing exceptional customer service with personalized attention, clear communication, and expertise.I confidently recommend Dylan to anyone seeking reliable and customer-focused insurance and mortgage protection services. His dedication to providing exceptional customer service truly sets them apart!laura fetherstonlaura fetherston ★★★★★ I dealt with a lovely man called Richard. He was very accommodating to suit me and my husband with a call back . He got us a great deal . We are very happy with what he helped us pick .Fiona JessupFiona Jessup ★★★★★ Richard was so helpful and explain the different policy we could go for. He was very patience with questions and gave get advice. Would definitely recommend him. Everything set up in no time and feel much happier now for the future. Thanks againjs_loader


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 enter some quick details to request a mortgage quotation and one of our award-winning Mortgage advisors will get in touch with you. 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.

Deposit

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.

Application

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

Approval

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.

Want to get started with your first mortgage? Need more advice?

Speak with one of our Expert Mortgage Advisors and start your journey today. Enter your details and our Mortgage team will return your First Time Buyer Mortgage query.

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Your 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.

Download our First-time buyers guide and start your journey towards your dream home. It's easier than you think!

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One of our expert mortgage advisors will be in touch shortly to provide you with guidance and further relevant information including typical repayments, qualification amounts and mortgage requirements.

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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.