Budget calculator
See your path to owning
Three ways to plan it: build a rent-to-own plan, work backwards from your salary, or see what renting is really costing you.
Your numbers
Drag the sliders, the plan and chart update live.
Initial payment
€10,000
Monthly payment
€2,916/mo
Your rent-to-own plan
Indicative · 3 yearsTotal discount built
€26,796
over 3 years
Net purchase price
€416,691
vs €443,487 market value
Discount off the price
6%
of the home's market value, built over your term
Discount built over 3 years
20% of all your payments (including the upfront), plus 20% of any growth above a 2% a year hurdle.
For under-25s & key workers
A flexible way onto the ladder
We know a deposit is the hardest part when you're starting out. If you're a young person or a key worker, you can get going with just 1% upfront and spread the rest of your initial payment over your first 6 months in the home, more time to pull it together while you settle in. Flip the toggle above to see it in your plan.
Get in touch and we'll see if your circumstances let you avail of this structure.
What your initial payment covers
One transparent fee, so you know exactly what you're getting into from day one.
- VAT, where it applies on new homes
- Legal fees for drafting your tenancy and option agreements
- Free mortgage coaching from a registered broker, for your whole programme term
- Homely's administration and application costs
Your solicitor gets a full completion pack at the end of the term
Everything needed to complete the purchase with your mortgage provider: planning documents, title deeds, BER cert, a payment statement from Homely evidencing your monthly payments, and a draft Sales Contract.
These figures are indicative and for illustration only. They are not a mortgage illustration, financial advice, or an offer. Your actual terms depend on the property, market rent, and your application.
Ready to find your way home?
Apply in a few minutes, no obligation and no impact on your credit. We'll talk you through everything.