Mortgages for First Time Buyers
Buying your first home? We offer great Mortgage rates for First Time Buyers.
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Mortgage Specialists
A range of flexible and tax efficient mortgages.
Over 160 Years Experience
We’ve been supporting home-buyers since 1864.
Award Winning
Best Mortgage for public sector sector workers - Public Sector Magazine 2025 Best Mortgage for property Investment 2023 - AIMA
Majority Irish-Owned
Residential mortgage lender in the Irish market.
Key Features & Criteria
Buying your first home is exciting, let us help you along the way.
Rates from 3.85%
A range of Variable, 3 and 5 year fixed rates
Up to 4 applicant per application
20% overpayment pre calendar year on our Fixed rate with no penalty
2 Year Interest only feature available
5 – 35 Year Loan Term
Minimum age of applicants 18 years, maximum age on maturity 80 years
Flexible Repayment Options Available
Mortgage Breaks - customers can apply for a 3 month break from their mortgage payment up to 3 times through their mortgage term.
Maximum loan amount will typically not exceed 4 times annual income.
The maximum Mortgage is 90% of the property value.
Over 18's only.
For further information, please contact us at 0818 427 427 or email icsdirect@dilosk.com
Alternatively, please contact one of the listed brokers and they would be delighted to discuss our mortgage products with you.
Warnings
Lending criteria, terms and conditions apply and are subject to change.
WARNING: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it. The payment rates on this housing loan may be adjusted by the lender from time to time.
Warning: If you do not keep up your repayments you may lose your home.
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 BNLP agreement in the future.
WARNINGS: 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: The entire amount that you have borrowed will still be outstanding at the end of the Interest Only Period.
Mortgage Online Calculator
Our easy to use online calculator will tell you how much you can borrow, and how much your monthly repayments will be.
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Ready to apply? Start your application today
Call us on 0818 427 427 or email icsmortgagesdirect@icsmortgages.com
Alternatively you can view our list of brokers here
Rates From
3.85%Check your Eligibility
Would you like to learn more about our Mortgage products? Get in contact today and one of our Qualified & Experienced Lending Managers will get right back to you.
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Public Sector Workers
Best Mortgage for Public Sector Employees 2025 from the public sector magazine. We can take your basic pay as 3 points up the salary scale and take 100% of allowances and overtime for the previous year.
Streamlined Process
Our qualified mortgage professionals will work with you to ensure your loan is processed as smoothly and as efficiently as possible.
Enquiry
Application & Assesment
Approval
Drawdown
A Guide to your Home Buying Journey
Download our Guide to Getting your First Mortgage.
Alternatively you can view our list of brokers here. View Brokers
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Rates
| Loan-to-Value | Variable | 3 year fixed | 5 year fixed |
|---|---|---|---|
| <60% | Rate - 4.10% APRC - 4.25% | Rate - 3.85% APRC - 4.17% | Rate - 4.15% APRC - 4.27% |
| <70% | Rate - 4.10% APRC - 4.25% | Rate - 3.99% APRC - 4.21% | Rate - 4.20% APRC - 4.30% |
| <80% | Rate - 4.10% APRC - 4.25% | Rate - 4.05% APRC - 4.23% | Rate - 4.30% APRC - 4.35% |
| <90% | Rate - 4.10% APRC - 4.25% | Rate - 4.10% APRC - 4.25% | Rate - 4.30% APRC - 4.35% |
Common Questions
First time buyers, we know that getting a first-time mortgage is a bit daunting so we’ve gone ahead and answered some questions you might have.
More FAQsUseful Information
Flexible Options
Find out more about how we can help you with your repayment difficulties.
Mortgage Top-Ups
Topping Up your Mortgage is a very straightforward process.
Rates
A competitive range of fixed and variable rates to our customers.
Customer Service
We assist and support you throughout your mortgage term.
Important Information
Lending criteria, terms and conditions apply. The property is mortgaged to secure the loan. Life and home insurance are required. The maximum loan amount will typically not exceed 4 times an individual’s gross annual income for a first time buyer and 3.5 for a second or subsequent buyer. The maximum mortgage is 90% of the property value. Over 18's only.
Dilosk DAC trading as Dilosk and ICS Mortgages is regulated by the Central Bank of Ireland. For more information contact ICS Mortgages, phone: 0818 427 427, email: icsdirect@dilosk.com or contact your local Mortgage Broker. We’d be delighted to do business with you.
Lending criteria, terms and conditions apply and are subject to change.