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You must be a first time buyer to qualify. You must not have either individually or jointly with any other person (directly or indirectly), previously purchased, or built a house or apartment.
You must be tax compliant. If you are self assessed you must also have tax clearance.
For a property to qualify under the scheme it must have been purchased or built as the first-time buyer’s home. It does not include properties acquired for investment purposes.
You must take out a mortgage on the property with a qualifying lender and this loan must be used solely for the purchase of the property. The loan should be entered into solely by the first-time buyer and the lender. A guarantor on the loan is allowed. The loan to value ratio must be greater than 70%.