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Tips for New Home Buyers with REA O'Connor Murphy
New Home Buyer Grant
The Help to Buy (HTB) incentive is a scheme for first-time property buyers. If you are a first-time buyer, it will help you with the deposit you need to buy or build a new house or apartment. You must buy or build the property to live in as your home.
Stamp duty is charged on the instruments used in the transfer of property – that is, on the conveyance documents that transfer ownership of the property. In general, the only factor affecting the amount of stamp duty is the value of the property.
Stamp duty applies to residential property such as houses, apartments or sites with agreement to build. It is also payable on non-residential property, that is, land or housing sites without residential buildings.
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Purchasing a property is probably the largest financial and most important transaction that you will make during your life. It can be an exciting and stressful time. It is important that your solicitor has good knowledge of property transactions, so when choosing a Solicitor you should ensure that they have extensive knowledge of the buying of residential property.
There’s a lot to think about when buying your home, whether you are taking your first step on the property ladder, making a big move or thinking of investing in property, your Mortgage Broker will bring you through it step by step, so it is important that your Mortgage Broker can offer you a wide range of competitive options that can be tailored to suit your needs. While you don’t need loan offer until you have found the property that you wish to purchase, it is always advisable that you get loan approval in principle from your bank before you start your search.