First Time Buyer Mortgage
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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!
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Applying for your First Time Buyer Mortgage online
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Your dedicated award winning mortgage advisor will guide you
through your application.
Log in to your digital application portal & upload your documents.
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 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.
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.