Based in Cork. Serving Clients Nationwide.
Get approved faster with the lowest mortgage rates available to first-time buyers in Ireland.
First-time buyer? Not sure where to start?
Buying your first home can be clear and straightforward.
We’ll guide you every step of the way — from your first approval right through to getting the keys.
We won’t stop until you’re happily living in your dream home.
No fees, just honest, expert advice and support.
We deal with the banks and all the documents. You focus on finding the perfect home.
Why Choose Us
Talk To The Mortgage Architect
Nothing beats choice, flexibility and experience.
Mortgage Consultation
Our mortgage planners will discuss your options, current mortgage offerings and advise you on everything you will need to know about your mortgage journey.
Mortgage Application
Next we will complete your application in full and submit it to your chosen mortgage provider.
Mortgage Approval
This is when your excitement will start to build. Once we have your mortgage approval, the search for your new home begins.
Property Valuation
When you find your new home, a property valuation needs to be completed.
Appoint A Solicitor
When choosing your solicitor always ask for a recommendation from a family member or friend who has gone through the mortgage process. Your solicitor will look after all the legal work involved in buying your new home.
Letter Of Offer
On receipt of the valuation and any pre loan offer conditions, your loan pack will be sent to your solicitor for review.
House Insurance & Life Insurance
Part of getting mortgage approval is to arrange insurance for your new home. You will also need to arrange life insurance.
Exchange Of Contract
When you are sale agreed, the sellers solicitor will draw up a contract and exchange this with your solicitor. Your solicitor will review both the contract and the banks loan offer.
Closing The Sale
Once all is in order with the legal documents, you will arrange a closing date for the sale to be completed by.
We've helped hundreds of first-time buyers get the keys to their first home.
Frequently Asked Questions
A First Time Buyer is someone who has never had a mortgage or owned a property in Ireland. This can also extend to divorced or separated applicants from a ‘fresh start’ perspective in certain circumstances. Applicants may also be classified as First Time Buyers for top-up’s or re-mortgage on their first primary home.
First Time Buyers in Ireland are allowed to borrow up to 4 times your gross annual income. The maximum borrowing limit is also dependent on not just your income but your age, financial commitments, credit history and demonstrated repayment capacity.
An AIP is an Approval In Principle. This is a letter from a lender noting the maximum borrowing amount you are eligible for based on an underwriter’s review of your income, savings, credit history, affordability and repayment capacity. With a fully underwritten approval in principle, you can begin your house hunting with confidence.
As a First Time Buyer, you can avail of the following schemes:
Use our mortgage repayment calculator to estimate your monthly repayments.
