New research has found that first-time buyers think it will take them six- and-a-half years to save up a mortgage deposit.
The study by Behaviour and Attitudes looked at the social impact of the Central Bank's new rules on home loans, which require as much as a 20% deposit.
The views of more than 1,000 existing homeowners and prospective buyers were taken between July and August.
Chairman of the Irish Brokers Association's Mortgage Committee Michael Dowling, says there should be different mortgage deposit rules for people buying in Dublin versus the rest of the country: "There should be a different set of criteria for Dublin as opposed to outside of Dublin.
"the research would should that the impact of the loan to value and loan to income ratios are not significant outside of Dublin.
"But with purchase prices of €300,000 for a starter home there is a need for greater loan to value ratios in the Dublin area."