First Time Buyer Mortgage

We're here for you
the whole way home.

We help you find the best rate for your mortgage and build your financial future in the years after, too.

Irish Couple at their first house thanks to working with Irish Mortgage Corporation on their first home mortgage in Ireland.
Happy when receiving the keys at mortgage close in Ireland

Start your journey home
with us today

Let us help you with your first home.

As Ireland’s first time buyer mortgage experts, we help 1000’s of customers buy their first home. Our goal is to provide the best options – with access to all top lenders – so you can make better, informed decisions about one of the most important financial decisions you’ll ever make.

Just getting started or already found the perfect home? We’ll help you learn how much you can borrow, select a lender, get mortgage approval, and oversee your application – we’re here to make the home buying process easy. 

Our advice is always free – so there’s no better place to start your home buying journey, than right here.

Access all of Ireland's
top lenders

Bank of Ireland lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker
PTSB Lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker
Avant Money lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker
Finance Ireland lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker
SPRY Finance Lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker
AIB Mortgages for Irish Mortgage Corporation – Ireland's best mortgage broker
ICS Mortgages lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker
MOCO Lender partner for Irish Mortgage Corporation – Ireland's best mortgage broker

Ireland's First-time buyers trust us for a good reason

100% free, always

The lender covers our fee – our advice is always free so you can get the best, most suitable deal.

Access all top lenders

For 34 years, we’ve established invaluable relationships with all of Ireland's lenders.

Join us in the 3% Club*

IMC is one of 3% of mortgage brokers in Ireland with direct access to all 8 top lenders.

One team for your journey

You’ll have a dedicated team of experts you can trust – people who know your application inside out.

*Per the Central Bank of Ireland register as of April 2024.

Obtaining a Mortgage

From application to completion, Irish Mortgage Corporation will be there for you.

Our advisors will learn about your specific needs to provide a range of options.

Following is a summary of those services we provide to first time buyers:

  • Taking client information and assisting with application completion.
  • Analysing prospective clients income and debt and pre-qualifying the prospective client to determine the maximum mortgage they can afford.
  • Educating clients in the home buying and financing process, advising on various loan products, and demonstrating how monthly payments could vary under each product.
  • Assisting with the collection of financial information (income documents, bank statements) and other related documents which form part of the application process.
  • Advising clients on documentation required to progress loan applications including verification of employment and verifications of deposit.
  • Providing life insurance options and assisting on all relevant application details.
  • Maintaining regular contact with you, the solicitor, and lender from application to close, to appraise the status of the application and gather any additional information as needed ensuring mortgage closes at or near the required closing date.
  • Continuous client service after mortgage drawdown.

Even if you are not ready to obtain a mortgage now, we can advise you on what will be needed for a mortgage assessment and give you an indication of how much you can borrow so you know your spending level and prepare you for a mortgage in the future (see our top tips).

Top Tips

Where are you now and where do you want to be?
  • Get an indication of how much you can borrow which will be based on the following:
    • Income
    • Repayment Capacity
    • A combination of savings/rent for the last six months will indicate the monthly amount you can afford in mortgage payments.
  • 6 months of statements for assessment (both bank and credit card)  – make sure to keep your bank accounts well maintained.
    • Savings and rent clearly evidenced
    • Avoid missed payments, referral charges, or constantly being overdrawn.
  • Set up a high interest savings account for regular savings
  • Avoid short term and credit card debt where possible

We're blushing...

We are honoured to make the home buying journey simple and hassle-free for so many.

Google rating score: 4.9 of 5, based on 700+ reviews

Great experience working with Paddy and Mel throughout the mortgage approval and drawdown process, highly recommend

5/5
Fiona S

We were really happy with Irish Mortgage Corporation. Very knowledgeable and efficient team there. Thanks for everything!

5/5
Jessica Hayden

I highly recommend Irish Mortgage Corporation. Our advisor, Eoin was fantastic to deal with. He was extremely helpful, thorough and diligent throughout the whole process.

5/5
Mairead Hickey

We make clients
homeowners every day.


You could be one of them.

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One of our expert advisors will get in touch within 3 business hours.
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