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Buying my First Home

When buying a home it is important to consider all the costs associated with the process, for example, mortgage costs, legal fees, registration of deeds, stamp duty, etc. It is important to know how much you can afford to spend on a property.  You can talk to various lenders to get ‘mortgage approval in principle’ that will indicate your budget for buying a home.

You can source properties for sale on websites, newspaper property supplements, and through auctioneers and estate agents. You can find a list of auctioneers and estate agents on the National Property Services Regulatory Authority's website,,

The two most popular methods by which properties are purchased and sold are:

  1. Private treaty sales: A private treaty sale is where you contact the seller or the seller’s agent, usually an estate agent, to agree a purchase price.
  2. Public auction: is a competitive sale or sale by bid. A reserve figure is set for the property, usually by the owner or auctioneer. The reserve figure is the value the property must achieve; anything below this and the property will be withdrawn from the market.

If you are buying in a multi unit development such as an apartment complex or a gated estate, it will have several common areas accessible to all the residents. These typically include the lobbies, stairwells, lifts and main corridors. There may be other areas that the owners share collectively, such as the roofing and possibly some common parking places and green spaces around the development. Many new housing schemes and apartment blocks have a management company which is responsible for the maintenance of these shared spaces and services.

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Link to more information on Citizens Information Website