The report is examining the locations of first time borrowers in 2023.
One in four first time borrowers are now buying or building a home outside their own county.
A report from the Banking and Payments Federation Ireland shows more than one in ten first time buyer mortgages in Laois last year were from Kildare.
Meanwhile, Laois, Kildare, Wicklow and Meath accounted for over a third of Help-to-Buy claims in 2023.
BPFI CEO Brian Hayes says the figures show more building needs to happen in Dublin.
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