HOME buyers who took out a mortgage in the past three months came up with a larger deposit on the property, according to new research from the Central Bank.
It is the first time in nine months that the Central Bank's three-monthly Bank Lending Survey has shown a tightening of credit for house buyers.
But the research also shows there has been a rise in demand for home loans since the start of August, and for other forms of consumer lending.
One way credit conditions have become tougher is the size of deposits being used to buy houses – or the loan to value ratio, the research shows.
House buyers came up with more of the cost of their house over the past three months, compared to the previous period, the survey found.
However, Karl Deeter of Irish Mortgage Brokers said: "The loan-to-value criteria is not tightening for most buyers, including first-time buyers, who are the most active in the market.
"A deposit of 8pc or 10pc of the total price of a house is still the norm for most first-time buyers," he said.
"The exception," he said, "is where someone living outside Ireland is buying a property here.
"Banks typically look for a big down-payment when dealing with a buyer based abroad," he added.
If such buyers are becoming a bigger factor in the market, it could be feeding through to the overall results.
However, the area where Mr Deeter sees borrowing getting tougher is around the question of how banks assess the affordability of a loan.
"Banks are now looking harder at whether borrowers' income is enough to allow them to keep up their repayments," he said.
That kind of "stress testing" of borrowers can mean they end up able to borrow less.
A spokesman for the Central Bank said they had not asked banks to tighten credit over the period in question.