How much deposit does a first-time buyer need in Ireland?
The standard Central Bank LTV limit for first-time buyers is 90%, meaning a 10% minimum deposit under the standard mortgage measures.
Page checked: 21 October 2026
The standard rule
Lenders can apply their own criteria and the mortgage measures include allowances and specific exemptions, so the standard rule is not a guarantee of approval.
Your cash needs to cover more than the deposit
Stamp duty, legal fees and other buying costs are separate. If you have a fixed cash amount, spending part of it on those costs leaves less available for the deposit.
Enter your income and total cash, then add the amount you want to keep back as a buffer.
Sources & assumptions
Central Bank mortgage-measure limits and Revenue stamp-duty rules can change. Check the official sources before relying on an estimate.
Central Bank mortgage measures · Central Bank retail interest rates
Official source
Check Revenue’s current residential stamp-duty rates and the Central Bank mortgage measures before relying on these examples. Costs other than stamp duty are estimates and vary by transaction.