So, to help you get ready, here’s what you need to know about financing a new home in Ireland this spring. Take the Help to Buy scheme. Current rates are 4 per cent, fixed for 25 years, increasing to 4.05 per cent for loans fixed for between 25 to 30 years. “First-time buyers do like the security of the fixed rate,” says McMahon. Bear in mind, however, that finding the best mortgage for you may not mean finding one at the lowest cost.

Source: The Irish Times February 15, 2026 10:31 UTC