🎙️ Episode 2: Financing Your Irish Dream: Mortgages, Deposits, and First-Time Buyer Supports

Buying a home in Ireland?

Whether you are a first-time buyer, an expat, or just trying to understand Ireland's mortgage system, this episode is packed with practical advice to help you get mortgage-ready.

Hosts Katie and Mike break down:

• How to qualify for a mortgage in Ireland (income, job stability, credit history)
• Deposit rules and real-world averages
• How much you can borrow based on LTV (Loan-to-Value) and LTI (Loan-to-Income) rules
• Smart saving strategies and financial habits that banks love to see
• Essential supports for first-time buyers: Help to Buy (HTB) and First Home Scheme (FHS)
• What mistakes to avoid when applying for a mortgage
• Special tips for expats transferring deposits and building Irish credit history

Whether you are moving from abroad or buying locally, this episode helps you navigate the financial side of getting your keys to a home in Ireland.

References and Resources Mentioned:

• Bonkers.ie - Mortgage mistakes to avoid
• Sherry Fitzgerald - Mortgage Central Bank Guidelines
• FirstHomeScheme.ie - Eligibility
• Central Bank of Ireland - Mortgage Measures
• MortgageLine.ie - Deposit amounts explained
• CitizensInformation.ie - Help to Buy Scheme
• Harbourview Mortgages - Borrowing limits guide
• Irish Life - Cost of buying a home in Ireland
• CitizensInformation.ie - Mortgage Insurance Guide
• Reddit - Irish deposit experiences

Get your mortgage plan ready and open the door to your new home in Ireland!