Thinking about Buying a House with No Money Down in Ireland? You’re not alone. More people are now stepping onto the property ladder by exploring options that don’t require large deposits. Whether you’re a first-time buyer or just tired of renting, there are real paths to getting a house loan with no deposit.

Can You Really Buy a House Without a Deposit?

Yes. While traditional banks often require a 10–20% deposit, alternative financing models and government schemes in Ireland now make it possible to buy a home with no money down – especially for first-time buyers and those with steady income but limited savings.

How to Get a Mortgage Without a Deposit in Ireland

If you’re asking how to get a mortgage without a deposit in Ireland, here are some ways it may be possible:

  • Government schemes like Help to Buy or the First Home Scheme
  • Shared equity models offered in partnership with developers
  • Developer-direct financing, often with zero or minimal upfront costs
  • Programs that allow using rent as part of your payment history

These options usually apply to new-build properties and may require you to meet certain income or residency criteria. But the process is often simpler than expected and ideal for those looking to own a home without large upfront payments.

What Are the Benefits of Home Financing with No Down Payment?

Choosing home financing with no down payment can provide key advantages:

  • ✅ You don’t need to spend years saving for a deposit
  • ✅ Move into your own home much sooner
  • ✅ Monthly payments can be similar to current rent
  • ✅ Often includes support from government-backed programs
  • ✅ Avoids traditional bank restrictions or long approval times

Is This Option Right for You?

Ask yourself:

  • Are you renting but want to build long-term equity?
  • Do you have a stable job but little savings?
  • Do you want to stop throwing money away on rent?

If you answered yes, then getting a house loan with no deposit might be your perfect next step.

Even without a down payment, owning a home in Ireland is not only possible—it’s more achievable than ever, thanks to accessible, flexible financing designed to help people just like you.