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'Hidden' costs of buying property

Property costs
OK, you know about the mortgage and what that is likely to cost. But what other costs do you need to budget for?

Check out the info on this page and you will have a better idea what you need to budget for.

Nobody needs nasty surprises when buying property!

Stamp Duty

This will cost up to 6% of the purchase price.

Check the stamp duty page for more information on Stamp duty.

If you are buying with a mortgage, there will also be stamp duty on the mortgage deed. Allow €1 per €1000 of the mortgage.

Land Registry

There is a fee payable to the Land Registry for registering the transfer of the deed into your name. Allow €500 for Land Registry charges.


Required to check the title of the property you are buying. Budget up to €160.

Legal fees

You need to budget up to 1%+VAT of the purchase price but shop around.

In addition to the legal fees, you will also have to pay for consumables, such as photocopying, phone and postage costs, etc. Budget up to €60+VAT.

We found a deal where you can get your legal fees paid - check it out here.

Life insurance

If buying with a mortgage, your lender will insist that you have sufficient life insurance to repay the outstanding capital should you die before the loan is repaid.

This need not be very expensive but it is best to shop around as cost can vary significantly from one insurer to another. There will also be a Stamp Duty charge of €12.50 on assignment of the policy.

Buildings insurance

Again, the lender will insist that you have buildings insurance in place on the property before they will release the funds to your solicitor.

As always, shop around. The cost can vary enormously. Remember, you don't have to buy life insurance from or through your lender, though they may want you to.

That is rarely the best deal.


The lender will want a valuation survey by a valuer either on their panel of approved valuers or one with equivalent qualifications.

The purpose is to make sure that the property is worth what they are lending - not what you are paying.

You pay for this valuation and the cost is likely to be in the region of €130 to €250.
property in ireland
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