Understanding the Hidden Costs of Buying a Home in Ireland

When buying a home, there are several costs to consider in addition to the purchase price. It’s crucial to factor in all of these costs when determining your budget for purchasing your home. Additionally, you may want to consider ongoing maintenance and repair costs, as well as any potential renovations or upgrades you may want to make. It is important to budget accordingly and seek professional advice to ensure you are aware of all the potential costs involved.

Additional Costs to Consider

During the home buying process, you should be mindful of the following costs and approximate amounts:

  • Stamp duty (1%-2% of the price of the house)
  • Legal fees (€2,500 – €5,000 including conveyancing)
  • Survey costs (€200)
  • Engineers report (€450)
  • Moving costs
  • Repairs, decoration, furniture
  • Ongoing Running Costs of a Home

After you’ve moved into your new home, it’s important to consider the following ongoing costs:

  • Electricity and heating (BER rating will have a significant impact on this)
  • Home insurance
  • Maintenance and repairs
  • TV
  • Broadband
  • Property tax
  • Bin charges
  • TV licence
  • Management fees (if you buy an apartment or house in a managed complex)

Working with Ezfees Financial for Expert Guidance

It’s always a good idea to work with a trusted financial advisor to help navigate the home buying process and ensure you have a clear understanding of all the costs involved. At Ezfees Financial, we understand that buying your home and getting mortgage-ready can be daunting and overwhelming. That’s why we are here to help and be with you every step of the way. Contact us today at 0818910800 or email us at info@ezfeesfinancial.ie. We would be delighted to assist you!


By understanding the hidden costs of buying a home in Ireland and working with a trusted financial advisor, you can make informed decisions and properly budget for your new home. Ezfees Financial is here to provide expert guidance.

Business Owner Consultation

Your business is your baby, so it deserves protection. Our team of experts will guide you through informed decisions to provide tailored policies. Shield your business against unexpected setbacks and ensure stability, whether you’re a startup or an established corporation. We’ll create a financial plan that will guide the balance of your personal finances and your long-term business goals.

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4) Be advised when you need to speak to Tax Advisors where relevant
5) Obtain guidance onto Owner/Director on Pension planning and legislation
6) Referral to a Life/Business Coach where relevant

Plan for your business’s long-term financial goals:
1. Share your goals with us
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With low deposit rates and high inflation rates, savings and investment plans are appealing right now. We understand what it’s like to make sacrifices to accelerate your savings goals so you can achieve your dreams. That’s why we provide expert guidance so you can take charge of your future without sacrificing your valuable time.

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1) The potential for higher returns
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4) Investment options appropriate to suit your needs and goals

How you can save to secure your dreams:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Make your Dreams a reality

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Whether you are a first-time buyer, mover, switcher or looking to invest in a rental property, we have a mortgage solution to fit your unique situation. Over 60 and looking to release equity in your home to support your children, go on that dream holiday or pay off bills? We find the mortgage most suitable for you and your family’s needs and support you through the entire process. You’re guaranteed to find the best mortgage option for your financial needs and goals, with impartial advice and competitive rates.

Clear, simple, actionable advice for all your mortgage needs:
1) First time buyers
2) First Home Scheme/ Local Affordable Authority Scheme
3) Switchers
4) Home Movers
5) Investment Property
6) Self Employed
7) Contract Workers
9) Lifetime Loan (over 60’s equity release)

How you can get started:
1. Share your journey with us
2. Create a plan!
3. Gather and submit your information
4. Make your Dreams a reality

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Secure your future and that of your loved ones beyond homeownership with life assurance, income protection and pension advice. Whatever your stage of life or money situation, our team of experts will help you make informed decisions to safeguard your financial future.

What’s in this for you? Planning your future, helps make your dreams a reality:
1) Start by creating a money management plan
2) Work with our dedicated Financial Advisors committed to safeguarding your future
3) Helping you get the guidance you need to achieve your long-term financial goals

Safeguard your financial future today:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Safeguard your Financial Future