Where does it all start


It’s a big step when you’re thinking of your first home. It takes lots of planning and saving. We’ve helped lots of people get there in the end. We can talk to you about:

 Keeping you on track to saving a deposit

 Calculating how much you might be able to borrow when the time comes

 Getting you ready to apply

Whatever stage you’re at, everything you need to know is here. Read a guide, take your time. And when you’re ready to chat we’ll help however we can, wherever it suits you.

couple looking at laptop

First Steps

Like anything that looks complex at first, the trick is to take your time and break it down into smaller steps. Everyone’s experience of buying a home is different. Most people that have been through it will tell you that their expectations change along the way. Be as realistic as you can and be prepared to adjust your expectations and compromise on the house, location or timescale.

step 1

Let's start with the numbers

With a firm idea of what you can afford to borrow, everything flows from there – location, size of property, term of the mortgage. Use our calculator to get an idea of how much you could borrow. It asks a few simple questions like how much you earn, how you spend and what you want to borrow.

Calculate >

step 2

Save for your deposit

A bank can’t lend you all of the sale price of a house, so you need to have enough money for a deposit. To see how much you may need for a deposit and other costs such as solicitor fees and stamp duty, use our mortgage calculator. Once you know how much you need to save, make a plan. With us you can give your savings account a nickname and an icon.

Deposit Calculator >


Talk to a Mortgage Expert

Pop into a branch, make an appointment online or ask for a call back from one of our Mortgage Experts. You don’t need any documents or deposit saved to chat to us. We’ll make sure you’re on the right track from the start by helping you make a plan.

Book an appointment >

step 4

Apply for Approval in Principle

Once your deposit is in place you can apply for a mortgage and receive approval in principle. Approval in principle is when we agree, in principle, to give you a mortgage based on the information you’ve given us. Then you’ll know how much you have to spend on your new home.

Apply now >

Here's how it all works

Did you know?

You may be eligible for help with your deposit from the government!

Saving for a deposit is hard work, but with the Government Help to Buy incentive for new developments, you may be entitled to get up to 5% of the purchase value back. If it works out for you, the Government’s Help To Buy incentive could give you an extra €20,000 towards buying your home. 

Search Help to Buy scheme on Revenue.ie >

Get to grips with the mortgage lingo

Some of the language of mortgages can be difficult to understand. At the same time there are certain terms that have certain meanings. We do our best here to explain things in plain language.

Mortgage jargon >

Help & support


Home Mortgage Regulatory Information

Allied Irish Banks, p.l.c. is an agent of AIB Insurance Services Limited in relation to provision of general insurance products. AIB Home Insurance is exclusively underwritten by AXA Insurance dac. AIB Insurance Services Limited is regulated by the Central Bank of Ireland.

Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank u.c. in relation to origination and servicing of mortgage loans and mortgages. AIB Mortgage Bank u.c. is regulated by the Central Bank of Ireland.

Lending criteria, terms and conditions apply. Over 18s only. Security may be required.


WARNING: If you do not keep up your repayments you may lose your home.


WARNING: You may have to pay charges if you pay off a fixed-rate loan early.


WARNING: The cost of your monthly repayments may increase.


WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

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Get Started



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