Generally starting from 6 months, although depending on your industry, some banks can look at a lower number of months. Or say for example you moved over with your same employer; it could be possible to look at lower than 6 months. Another part of the process is that the banks will want to see the last 6 months of your bank statements in order to show your proven ability to pay back a mortgage. Often when people are moving back home, they can incur a lot of relocation costs and are also transferring funds over at different times. The combination of this can make it unclear to the banks what your demonstrated affordability is. We can have a quick look at your bank statements if you wish in order to see should you wait a bit longer based on the account activity.
If you are first time buyers, the first-time buyer lending rules will apply to you. If you ever held a mortgage in Ireland or anywhere else in the world, you will be classed as a second time buyer and second time buyer lending rules will apply to you.
Information correct as of 01/01/2023.