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Established 1972 · Waterford
info@rmcdonaldandsons.ie 051 386655

New home buyer guide

Know the road ahead.

Practical steps to help you prepare, ask the right questions and move forward with confidence.

A simple starting point

Buying a home is a big decision. The process should still feel clear.

Your solicitor, lender and financial adviser will guide the legal and financial details. This overview helps you understand the usual stages and prepare before you enquire.

Requirements differ for every buyer and can change over time, so always confirm current lending rules, taxes and support schemes with the appropriate professional or official body.

From planning to keys

Six steps to a new home.

01

Set your budget

Review savings, regular costs, likely deposit, professional fees, furnishing and a sensible contingency.

02

Arrange finance

Speak with a lender or broker and work toward approval in principle before committing to a home.

03

Explore the development

Consider the location, layout, specification, energy performance and the everyday journey around the area.

04

Reserve and appoint

Once you choose a home, follow the sales agent’s reservation process and appoint an independent solicitor.

05

Contracts and valuation

Your solicitor and lender complete the required checks, contract work, valuation and loan documentation.

06

Close and collect keys

After final inspection, completion funds and legal closing, your new home is ready for handover.

Planning tool

Estimate a monthly mortgage repayment.

Adjust the figures to see an illustrative principal-and-interest repayment. This does not include insurance, fees, taxes or lender-specific costs.

Illustration only—not a quotation, offer or financial advice. Interest rates and eligibility vary. Confirm all figures with a regulated lender or financial adviser.

Illustrative repayment €0 per month

Common questions

Helpful answers before you enquire.

What should I arrange before viewing a new home?

It helps to understand your budget, savings and likely borrowing range. Approval in principle can make the next stages clearer, but the exact requirement depends on the development and your circumstances.

Who handles the legal side of the purchase?

You appoint an independent solicitor to advise you, review the contracts and title, explain obligations and complete the legal purchase.

Are home specifications always identical?

Specifications, layouts and finishes can differ by development and house type. Always rely on the contract documents and the information issued for the specific home you are considering.

How do I hear about new releases?

Use the enquiry form and name the development or area you are interested in. The team can record your interest and share the appropriate current contact or sales information.

What government supports may be available?

Supports and eligibility rules change. Check current information with Revenue, Citizens Information, your lender or a qualified adviser before relying on any scheme in your budget.

Start a conversation

Ready to ask about a home?

Tell us the area, development or type of home that interests you. The team will point you toward the latest information.

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