Lloyd Asling
Region: IE
Thursday 13 August 2026 18:14:03 GMT
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EPH :
Nope you need 10% for deposit.
2026-08-14 00:07:00
47
DubHero :
Couple of things I think are flawed in your argument. 1). Average rent is around 1300 in Ireland. 2) You will be paying more in rent for the same size accomodation than a mortgage. 3) You can still build capital while having a mortgage and at the end of the term you also have an asset that you can sell and then downgrade. 4) You can rent out a room in your house for 14000e a year tax free. 5) Yes, you can't for 850pm in other countries but wages, standard of living, job prospects would be likely lower than Ireland so you wouldn't save more. 6) If I had 100m I would be buying property (assets) not renting them.
2026-08-16 21:08:58
5
Birdy 🇮🇪 :
Your argument overlooks the time value of money. 10k paid decades from now isn’t equivalent to 10k paid today. You’re also comparing total mortgage payments with total rent while ignoring that, at the end of the mortgage, you own the house, whereas rent leaves you with no asset and you assume rent stays flat and the property never appreciates.
2026-08-13 22:59:06
17
Just Edward. :
1. Deposit in Ireland is 10%. 2. HTB can pay a lot of that deposit. 3. In the ‘other places’ where rent is €850/month, what’s the average/living wage? 4. No rent will remain fixed at €850/month for 30+years 5. Mortgages are not contracts you’re stuck in, if you want to move, you can sell and if the market is good you can even make a profit. 6. The median may be €400k but if you remove Dublin, that drops to nearly €300k
2026-08-14 10:09:25
23
KevBardruid :
If you want flexibility then rent and try things out. BUT...if you are able to rent a dream apartment for 10k pa your local salary will also be much less - so you're not comparing apples to apples. Where property comes into its own is inflation. lets say you buy a 500k house with 10% down (50k) and the property goes up by 10% - you have just made a 100% gain on your initial 50k (property is now worth 550k)...there are few investment opportunities like this available to the ordinary man. The mortgage remains in todays € but salaries and everything else will go up with inflation. Your last years mortgage in 25 years will be much less meaningful. If your flexible, buy a 3 bed and rent a couple of rooms out for the first 5 years and pay ot off the mortgage...it reduces your term and risk profile.
2026-08-14 01:20:05
5
gavincon02 :
I’ll rent u a house for the rest of your life no bother
2026-08-16 14:30:13
39
trisha :
you're not adding inflation to the rent cost
2026-08-15 21:15:38
24
Conor Keogh :
You are not stuck. You have a home for your children, your missing the whole point
2026-08-14 11:32:01
8
user362827499174729478185 :
10% for first time buyer in Ireland ..
2026-08-19 11:11:55
16
Linda :
I bought a place a few years and i travel full time now. my mortgage is covered by the rent and I move to a different place each month while I'm gaining equity on my property! Also that half a mill you spent renting is going nowhere but it's there if you bought a place
2026-08-13 18:44:39
10
Spin master O’Dwyer :
Simplistic attitude. What about meeting someone and getting married. What about having a family? What about being in Ireland close to family and parents as they get older?
2026-08-15 10:36:43
11
Snapluxe Events :
its a 10% deposit. While the median is high, average house prices are much lower in more rural parts of Ireland.
2026-08-13 23:34:04
38
EB9 :
I understand but it’s also about setting up something for your future kids so at least they have some stability.
2026-08-15 11:38:18
5
Sync Clothing :
10% deposit = €40,000. First time buyer scheme = €30,000. So you only need €10,000 of your own money. 30 year mortgage is about €1,500 a month at present on €360,000. Rent out one of your 3 bedrooms on rent a room and earn €1,165 a month. So your mortgage will cost you €333 a month and you will own an asset at the end of it. No brainer really.
2026-08-14 20:12:02
0
A :
What if you have kids and they have to go to school and you need to be somewhere more or less permanently?
2026-08-24 15:52:32
0
nm :
how can you afford to pay rent when you retire
2026-08-15 14:28:53
11
Ian Grant :
You buy a house in Ireland in 2026 for €400k in 30 years on average your house price should double if you look at the inflation rates in the last 30 years. Yet your argument is to spend that potential investment to have a tan.
2026-08-17 12:30:25
6
julian valla891 :
what are You going to do if You want to retire?
2026-08-18 10:41:05
5
greydave :
I'm in your boat and never brought a house only land. I have friends stuck in jobs they hate because they have a massive mortgage, stuck to the area because they can't relocate so they take any job in the locality.
2026-09-02 14:09:14
3
neilmacaogain :
Check the salaries in the places where you can get a lovely place for €850/month
2026-08-15 20:05:55
4
TikTok84 :
You will never out-save the property market - do not listen
2026-08-15 14:07:52
4
J :
the problem is rent will not stay the same for that long. also owners will sell up at some point. do you want to move when you're 65?
2026-08-30 08:32:58
4
Denis ahern :
10% deposit needed plus legal fees
2026-08-13 22:20:12
3
Martin :
Yeah, but the problem is renting is dead money every payment you put off the House in a mortgage is money that you would have when you if you decided to sell the house or it’s a house you have to leave your kids with rent. You have nothing.
2026-08-14 11:53:21
4
Dev111 :
bought my house at 24 then my apt at 31 then another apt at 38 work hard it will pay off . And nobody asks the real question what happens at 65yrd old when you'll get a pension only that WONT COVER YOUR RENT TRUST ME
2026-08-17 01:56:38
3
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