Depending on your circumstances, you may be able to explore Help to Buy, the First Home Scheme, an eligible Local Authority Home Loan, or an affordable purchase scheme run through Waterford City and County Council. Each has its own rules on income, deposit, property type, price limits, mortgage approval and whether it can be combined with other supports. Availability and limits can change, so check Revenue for Help to Buy, the official First Home Scheme information, and Waterford City and County Council’s housing pages. Citizens Information or a qualified mortgage adviser can help you understand which options may fit your situation.