Four out of ten first time buyers are taking out mortgages of between 35 to 39 years long according to a published by the Irish Bankers Federation.
The study found that in cases where consumers took 100% mortgages they were more likely to take longer loans.
The survey also examined the situation for people who took 100% loans where they bought homes with no deposit, and found that over 50% of them opted for loans longer than 35 years.
The Irish Bankers Federation says first time buyers tend to sell their homes after 5 to 7 years.
It maintains many buyers are unlikely to retain such long mortgages for their full duration.
The problem with lengthy 100% mortgages is that many people can slide into negative equity in a falling property market.
The report also found that 3% of first time buyers had mortgages for fifteen or fewer years and 3% opted for mortgages with a life-span of between 15-19 years.
