If you are looking to get a mortgage to finance your home, you should begin with applying to mortgage lenders such as a bank. Once they have proof of capability to repay, they may accept your application and offer a loan of a certain amount. A buyer can apply for a mortgage before or after they have found a property and paid the deposit. The lending institution may require a valuation and home insurance before they release the mortgage. After the buyer and seller close the contract to sell the house, the seller will receive the agreed selling price for the property.
The Government offers the Help to Buy scheme in Ireland for first-time buyers, along with other incentives to buy also.
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