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Decision Agent
First-Time Buyer Calculator
Limited-time freeWork out which Irish government schemes you qualify for, how to stack them, and whether you can actually afford to buy. You will get the same full-page scored report as other agents, plus the underlying calculations.
How this calculator works▾
Methodology
- Mortgage capacity — estimates maximum lending at 4x gross household income.
- Help to Buy — checks new-build/self-build eligibility, tax paid over four years, and the €500,000 price limit.
- First Home Scheme — calculates the remaining funding gap after mortgage, deposit, and HTB, then applies the relevant local authority ceiling.
- Deposit test — compares effective deposit against the standard 10% minimum.
- Affordability verdict — combines savings, HTB, FHS equity, and mortgage capacity into a plain-English purchase-readiness result.
This calculator is informational and should be verified with Revenue, firsthomescheme.ie, your lender, and your solicitor before making a purchase decision.
FREE FOR A LIMITED TIME
Generate a scored first-time buyer report on the free plan while this launch offer is active. It counts like a normal agent run.