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"A first-time buyer should remember that this cannot be included in the mortgage.
It should be saved in addition to the deposit," says Liam Ferguson, of Meath-based financial advisors Ferguson and Associates.
Stamp duty is now simply calculated as 1pc of the selling price of any property up to €1m (2pc thereafter), and all buyers, including first time buyers, are subject to the same rate.
So if you buy a house worth €200,000, you will pay stamp duty of €2,000.
Your lender will often offer to sell you a policy, but you don't have to buy it from them and, indeed, it can be much cheaper to buy elsewhere.
If you want to buy an apartment, a solicitor could find problems or complications over the owners' management company that owns the common areas in the apartment block.Insurance Most lenders will insist that you take out mortgage protection insurance, a type of life insurance policy that pays off your mortgage if you die before the end of the term.Many people often confuse this insurance with mortgage repayment protection insurance, which is not obligatory.Rationalists regard the Gospel account as fiction; Catholics insist that it is a narrative of fact, supporting their interpretation with the evidence of all manuscripts and versions, and patristic citations. Herodotus (I, ci) is our authority for supposing that the Magi were the sacred caste of the Medes.All this evidence rationalists pronounce irrelevant; they class the story of the Magi with the so-called "legends of the childhood of Jesus ", later apocryphal additions to the Gospels. They provided priests for Persia, and, regardless of dynastic vicissitudes, ever kept up their dominating religious influence.