Beyond the deposit, budget for your solicitor’s fees, property searches, registration charges, and any VAT that applies. You may also need to pay for a valuation, structural survey, mortgage-related charges, home insurance and moving costs, while apartments can involve management-company fees. Stamp Duty is another major cost, with the amount depending on the property and your circumstances; current rules should be confirmed with Revenue. Ask your solicitor and lender for a written estimate, and allow a contingency for unexpected costs.