This results in an average mortgage value of €312,136, an increase of 7.4% or €21,449 compared to the 2024 average. For first-time buyers, the average mortgage size is even higher at €319,187, an increase of 7.1% or €21,334. First-time buyers (FTBs) continue to drive the mortgage market, accounting for 60% of the volume and 61% of the value of mortgage drawdowns in 2025. New properties, including self-builds, accounted for 41% of first-time buyer mortgage volume and 43% of the value last year. The overall average mortgage value is brought down as it includes remortgaging/switching activity and top-up mortgages.

Source: Irish Examiner January 28, 2026 00:04 UTC