Irish home deposit:
the practical guide.

A deposit is only one part of the cash you need for a home purchase. This guide helps you separate the number you save from the full budget you prepare.

Start with a simple scenarioPrice × deposit % = cash deposit

For example, 10% of a €350,000 home is €35,000. Use this as a planning figure, then confirm the amount with your lender or broker.

1. Choose a realistic purchase price

Work from homes you would genuinely consider, not just a headline maximum. A price range makes it easier to see how your deposit and monthly repayment change together.

2. Turn that price into a deposit target

Enter the price and a deposit percentage in the calculator. The result is a savings target—not a promise of a particular mortgage. A lender will assess the application and may set its own conditions.

3. Keep purchase costs separate

Stamp duty, legal work, registration, valuation, survey and moving costs are not the same thing as your deposit. Putting them in a separate pot avoids spending every saved euro on the deposit itself.

4. Test the monthly repayment too

Once you have a deposit figure, compare a few interest-rate and term scenarios. The affordable monthly number matters as much as the cash target.

Ready to try your numbers?

Calculate a deposit · Plan the full cash budget · Estimate repayments