With average house prices in Ireland now close to €390,000 (constantly moving upwards), getting on the property ladder in 2026 can feel challenging. But for first-time buyers, a range of government supports — combined with the right mortgage strategy — can make it far more achievable than it first appears.

Several key schemes are helping buyers bridge the gap:

• Help to Buy – Up to €30,000 or 10% of the property price for new builds (up to €500,000)
• First Home Scheme – A shared equity option that reduces how much you need to borrow
• Vacant Property Grant – Up to €50,000–€70,000 to refurbish older homes

**Full details available on Revenue.ie, gov.ie and firsthomescheme.ie**

A Realistic Example

Buying a new home at €345,000?

• Claim up to €30,000 from Help to Buy
• First Home Scheme may provide €69,000
• Deposit of €4,500

The result: Secure this home for €241,500 a significantly lower mortgage than the headline price, making monthly repayments much more manageable.

The key isn’t just knowing these schemes exist — it’s knowing how to combine them effectively.

At OBG Mortgages, our in-house team will:

• Assess what you qualify for
• Maximise every available support
• Secure competitive mortgage options
• Guide you step-by-step through the process

We make the journey clearer, faster and far less stressful.

Take the First Step

• Book your free first-time buyer mortgage consultation 

Your first home may be closer than you think — with the right support behind you.