At Eoin O’Gorman Solicitors, based on Crescent Quay in Wexford, we know that buying your first home is one of life’s most exciting—and sometimes most nerve-wracking—milestones. Whether you’re looking at a cosy townhouse, a countryside bungalow, or a sleek city apartment, it helps to know what to expect from the process.

Here’s a clear, step-by-step guide to help you navigate your first home purchase in Ireland with confidence.

1. Saving for Your Deposit

As a first-time buyer, you’ll need a minimum 10% deposit of the property’s value. For example, if you’re purchasing a home for €280,000, you’ll need to save €28,000.

Don’t forget to factor in legal fees, surveys, stamp duty and any moving costs. It’s also worth checking if you qualify for the Help to Buy scheme or First Home Scheme, both of which are designed to make things a little easier for first-time buyers.

2. Get Mortgage Approval in Principle

Before you start house hunting, it’s important to secure mortgage approval in principle from your bank or mortgage broker. This shows sellers and estate agents that you’re a serious buyer—and gives you a clear idea of your budget.

You’ll need to provide payslips, bank statements, ID, and savings history as part of the process.

3. Start House Hunting and Make an Offer

Once your budget is set, the fun part begins—viewing properties! Sites like Daft.ie and MyHome.ie are great places to start.

When you find the right place, you’ll submit your offer through the estate agent. If it’s accepted—congratulations! But remember, it’s not legally binding until contracts are signed and exchanged.

4. Instruct a Solicitor

This is where we come in. Once your offer is accepted, it’s time to instruct a solicitor to handle the legal work involved (known as conveyancing).

At Eoin O’Gorman Solicitors, we will:

  • Review all contracts
  • Conduct property title checks
  • Liaise with the seller’s solicitor
  • Guide you through each step until you get your keys

We’ll keep things clear and simple—no jargon, no stress.

5. Survey and Property Valuation

It’s recommended to get an independent survey done to check the structural condition of the property. Your lender will also arrange a valuation to confirm the property is worth the agreed price.

If any issues come up, we as your solicitor can help you renegotiate terms or advise on your next steps.

6. Contracts and Exchange

Once all checks are complete and you’re happy to proceed, you’ll sign the contract for sale. We will will exchange contracts with the seller’s solicitor, and you’ll usually pay a contract deposit (typically 10%).

At this point, the sale becomes legally binding on all parties.

7. Closing the Sale

On closing day, your mortgage funds are released, and we, as your solicitor, complete the transaction. Once everything is finalised, you’ll receive the keys to your new home!

You’ll also pay stamp duty (usually 1%) and the property will be registered with the Land Registry.

8. Move In and Celebrate!

Now it’s time to make your house a home. Remember to:

  • Set up utilities
  • Update your address with banks and Revenue
  • Take out home insurance (which generally is a requirement and a condition of your mortgage agreement).

Need Help With Your First Home Purchase?

At Eoin O’Gorman Solicitors, we’re here to ensure that the process is as smooth, straightforward, and stress-free as possible. We take pride in offering a warm, client-focused service with clear communication at every step.

📍 Visit us: Crescent Quay, Wexford Y35FC64
📧 Email: info@ogormansolicitors.ie

Let’s make your first home purchase something to celebrate.