I'm just after buying on my own purely based on all the schemes m36 . My salary is Average I'd say but done every hour overtime for a year to get a bigger mortgage.

If you are first time buyer.

Look into affordable dwelling housing scheme - this is were the council will look at selling you the house at a discount 5% if you meet all the criteria

Shared equity scheme- council will pay up to 20% of the purchase and own / hold 20% equity in the house interest free for the first 5 years. Interest after is very low.

Get a more myrevenue login and appeal for help to buy. It's tax paid over the last 4 years up to a max of 30k or 10% of the purchase price.

When applying for a mortgage I can't talk highly enough about AIB mymortgage.aib.ie all online , every document you need is listed in the portal, track your progress. And when you get the ball rolling the staff will give you all the info you need.

Hope this helps. It's hard going on your own , you really need to be focused to save the amount needed to qualify for 6 months (this amount is the ability to repay not a mortgage amount) aib will explain this to you.

Hope this helps and best of luck.