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First Time Buyers

First time buyers can borrow up to 90% of the property value depending on the profile of the borrower and the property they wish to purchase. When you purchase your first home, it can be a difficult experience which takes a lot of effort and money.


Our mortgage consultants can take you through the process step by step, ensuring your mortgage is hassle free Our completion staff will then liase with your solicitor and the bank to ensure that the mortgage is drawn down, with minimal hassle.


What are the steps involved in buying your first home?


1. Seek Mortgage Approval through Carty Cullen

2. Place Booking Deposit on the home you have chosen

3. Sign Contracts of Purchase and pay balance of deposit (usually 10% of purchase price less initial booking deposit)

4. Loan Cheque issued, Purchase complete

5. Receive the Keys of your New Home

Residential Investor

Capital Appreciation Potential :


Property can be an excellent long term investment and although there are no guarantees to future gains currently prices are still rising and rental income is strong for quality units in good locations.

Rental Income : Monthly income which meets the mortgage repayment and also generates a new income for the investor


Costs to consider:


Stamp Duty

Legal Fees

Structural Survey

Fit out costs

Letting Fees and Management Fees (if apartment)



Choosing a good Investment property:


The old rule- Location, Location, Location, will be your main guide. Is the property close to where tenants might work? Good transport links? Good area? Is the property in a good state of repair?

Tenants have high expectations and strong rental income will only be achieved with a high spec property! Many people have built up equity in their homes. Using the equity means accessing low interest rates to purchase an investment property and also finance legal costs, stamp duty and the fit out costs.

The Lending Institutions criteria for Investment Properties can vary greatly. We can help you maximise your borrowing power and obtain the best rates available. We offer free advice to investors on the structuring of the loan in the most tax efficient manner and minimising the cost to themselves.



Carty & Cullen Limited T/A Carty Cullen is regulated by the Central Bank of Ireland

Registered Address: Unit 1F, Deerpark Business Centre, Claregalway Road, Oranmore, Co Galway.

Registration Number:  331316 - Registered in Co. Galway.

Directors : Michael Carty & George Cullen

 Phone: (091) 751 067 - email: