Buying a home

Overview Document This document looks at what you need to consider before buying a property and the processes involved.

Mortgage interest relief
Tax relief on mortgage interest payments was due to end at the end of 2017. Following Budget 2018, it was extended on a tapered basis for people who were eligible to claim the relief. It will be abolished completely at the end of 2020.

Stamp duty on property
Stamp duty is payable on the transfer of property. Budget 2018 changed the rules on stamp duty.

Property deeds
Each time the ownership of a property changes, a new deed of title is drawn up to record the change. The Property Registration Authority is responsible for 2 systems for recording property transactions.

Property rights of cohabiting couples
Property rights of cohabiting couples relating to buying a home, private rented accommodation, local authority housing, and the Family Home Protection Act.
This document is in: Cohabiting couples

Insurance protection on mortgages
Brief description of 2 different types of insurance that you can take out in respect of a mortgage.

Costs of buying a home
As well as mortgage payments, the other costs involved in buying a home can be significant.

Moving to a new home
A summary of steps to take when moving house, including transferring utilities, redirecting post and notifying schools.

The Property Services Regulatory Authority
The Property Services Regulatory Authority (PSRA) is responsible for licensing and regulating property services providers in Ireland. This document described their licencing and other functions