Carton Wood, Maynooth. A first time buyer would need a deposit of just €14,750 to buy a three-bed semi-detached house worth €295,000. Someone trading up on the other hand would need to come up with a significantly higher deposit of €59,000.

They paid too much for their home during the boom; their wages are stagnant; their mortgage is still underwater; they may have a cheap tracker but hav(...)