Unlock the door to home ownership and start living your dream!

We know that purchasing your first home can be an overwhelming experience filled with excitement and challenges.

One of the most intricate aspects is navigating the labyrinth of paperwork involved in applying for a first time buyer mortgage. The sheer volume of documents, financial statements, and legal agreements can leave even the most prepared individuals feeling daunted.

Additionally, attempting to speak to someone in person to clarify doubts or seek guidance often proves to be a frustrating hurdle. Long wait times, convoluted processes, and the difficulty of finding the right person to assist you can add to the stress of the already intricate process.

Well, that’s about to change!

At Gammell Financial Services, we’re here to guide you on this incredible journey, making your dream of owning your first home a reality.

Gammell Financial Services – creating home owners, one step at a time

We understand the complexities of this journey, and we’re committed to simplifying the process for you, offering you clear guidance, and, most importantly, providing you with a supportive and accessible team to help you navigate every step of purchasing your first home.

At Gammel Financial, we’re here to guide you on this incredible journey, making your dream of owning your first home a reality.

Say goodbye to complex paperwork and confusing language. We’re here to make the entire process effortlessly smooth, and who knows, we might even have a bit of fun along the way!

What Makes Us Different?


Your trustworthy guides:

Navigating the world of first time buyer mortgages can be overwhelming. Our team of experts is here to simplify all that for you. We’ll walk you through each step, ensuring you feel comfortable and informed throughout the process.


Personalised support at your fingertips:

Sometimes, meeting in person makes more sense, and sometimes a quick phone call will suffice. Whichever you need, we’re across the table or at the other end of the phone whenever you need us.


Exclusive opportunities:

Ever heard of the First Home Scheme and the Help-to-Buy Incentive? These are fantastic government programs designed to help first-time buyers like you. We’re well-versed in these opportunities and will show you how to make the most of them.


A mortgage tailored to you:

Your situation is unique, and so should your mortgage be. We’ll work closely with you to understand your financial goals and create a mortgage solution that fits perfectly with what you can afford.


Saving you time and money:

We’ll do all the heavy lifting for you. We’ll compare various mortgage options to find the best rates, saving you time and money.

Ready to take the first step?

Contact us today to set up a chat. We’ll help you explore your options, lay out your roadmap to homeownership, and get you closer to the keys to your first home.


What is a first-time buyer in Ireland?

According to the Central Bank of Ireland, “a first-time buyer is defined as a borrower to whom no housing loan has ever been advanced.”

Does a first-time buyer pay stamp duty?

Yes, first-time buyers must pay stamp duty on the purchase of their home. You can find full details on the rates of stamp duty here.

How much is a first-time buyer deposit?

As a guide, you will need at least 10% of the purchase price as a deposit. But don’t worry – we’re also financial advisors! Part of our service is to help you save your deposit and still be able to enjoy life’s little pleasures – like morning takeaway coffee!

What is the First Home Scheme?

The First Home Scheme (FHS) is a Government scheme to help enable homeownership for numerous individuals and families by closing the financial distance between first-time buyers, eligible homebuyers, their deposit, mortgage, and the cost of their new home. For more details and to check if you qualify, click here or call us, and we can explain your options.

What is the Help-to-Buy Scheme?

The Help to Buy (HTB) Scheme is designed to assist first-time buyers in acquiring newly built houses or apartments and once-off self-build homes. This scheme applies exclusively to properties valued at €500,000 or lower. You can find more information here. Alternatively, give us a call and we’ll talk you through it.

Can a first-time buyer purchase a second-hand house?

Yes, you can. As long as the home you are buying is your first home, it can be second-hand.

What are first-time buyers' mortgage rates?

Unfortunately, mortgage rates change quite regularly. To be sure you’re getting the best first time buyer mortgage to suit your financial situation, call us, and we can discuss your options.

Hear from some of our clients

Can highly recommend Lorna Gammell, Gammell Financial Services. Lorna was extremely helpful and at all times professional following my divorce when I required a sole mortgage. Lorna guided me through the whole process and sourced a very competitive rate for me. Lorna’s financial knowledge was also a great benefit and no question however small was always responded to and dealt with. I can honestly say without Lorna’s professional help I would not be a home owner at this time.

Mairead Kelly

Lorna was amazing to deal with, so knowledgeable and dealt with our very long list of questions quickly and professionally. She accommodated meeting us before work and couldn’t have done more to help us. It’s nice to know she’s at the end of the phone if anything comes up and we would recommend her to everyone looking for financial services advice.

I can’t speak highly enough about Lorna Gammell and her team, our incredible mortgage broker. Having assisted every member of our family in obtaining their mortgages, Lorna’s expertise is unparalleled. We started the process without any knowledge of what is ahead of us, and she took the time to patiently explain every detail, ensuring that we understood the process inside out. When we faced unexpected delays in the construction of our new home, leading to rising interest rates, Lorna promptly secured us a better offer with another bank. Her proactive approach and quick thinking saved us from potential setbacks. Since our successful mortgage journey, we’ve referred Lorna to friends starting their home-buying journeys. Our family is forever grateful for helping us achieve our dream of homeownership.

Start Your Journey with Us Today!

At Gammell Financial, we’re not just your mortgage experts; we’re your partners on this adventure to first-time home ownership. Our friendly and open approach means you’ll feel at ease and well-informed.