We here at Adrian Hassett Auctioneers understand that buying your first home in 2026 is both exciting and daunting. The Irish property market continues to present opportunities, but it also demands preparation and clear financial planning. Knowing what to expect at each stage will help you move from saving your deposit to collecting your door keys with confidence.
The journey begins with your deposit. Most first time buyers will need at least ten per cent of the purchase price, depending on lending rules. It is important to factor in additional costs such as stamp duty, legal fees, survey fees and valuation charges. Having a realistic budget prevents unpleasant surprises later.
Next comes mortgage approval. Before viewing properties seriously, obtain mortgage approval in principle from your lender. This strengthens your position when making an offer and shows sellers that you are financially prepared. Lenders will review your income, savings history and repayment capacity, so maintaining clean bank records and steady employment is beneficial.
Once approved, the search for the right property begins. Consider not only the house itself but also the surrounding area. Access to transport, schools, healthcare and local amenities all affect long term satisfaction and resale value. Check the Building Energy Rating and be mindful of future running costs.
When you find a suitable property, you can make an offer through the selling agent. If your offer is accepted, you will pay a booking deposit and instruct your solicitor to begin the legal process. Your solicitor will review contracts, title documents and planning permissions to ensure everything is in order.
A structural survey is strongly recommended. Even newer homes can present issues that are not visible at first glance. Identifying concerns early allows you to renegotiate if necessary or proceed with clarity.
After contracts are signed and mortgage funds are drawn down, completion day arrives. This is when the balance of funds is transferred and you receive your keys. It marks the beginning of home ownership and a significant milestone.
Buying your first home in 2026 requires patience, research and the right professional guidance. With careful planning, the process can be smooth and rewarding.
If you would like to discuss buying or selling a property, contact us on 0871303206 or email sales@adrianhassett.com or visit adrianhassett.com.
Disclaimer: This article is based on publicly available information and is intended for general guidance only. While every effort has been made to ensure accuracy at the time of publication, details may change and errors may occur. This content does not constitute financial, legal or professional advice. Readers should seek appropriate professional guidance before making decisions. Neither the publisher nor the authors accept liability for any loss arising from reliance on this material.
