Mortgage Affordability Calculator
See your maximum borrowing under Central Bank of Ireland rules, the deposit you'll need, and your likely monthly repayment.
Your situation
Leave at 0 if applying alone.
Car loans, personal loans, and other regular credit repayments.
Estimated results
Maximum property price
€400,000
Loan-to-income
3.60x
Loan-to-value
90%
Monthly repayment
€1,657
Stress-tested (+1%)
€1,867
›Assumptions used
Loan-to-income (LTI): Central Bank rules cap borrowing at 4x combined gross income for first-time buyers.
Loan-to-value (LTV): the maximum loan is 90% of the property price, meaning a minimum deposit of 10%.
Monthly repayment: calculated as a standard repayment (capital & interest) mortgage at your chosen rate over your chosen term.
Stamp duty (not shown above): budget roughly €4,000 at 1% of the property price, plus legal fees — these are not included in the maximum property price shown.
Lenders can grant a limited number of exceptions above these limits each year — this calculator shows the standard limits only, not exception cases.
This calculator is provided for informational purposes only and should not be considered financial or tax advice. Figures are estimates based on published Revenue and Central Bank of Ireland rules for the 2026 tax year and may not reflect your personal circumstances. Always confirm your position with Revenue.ie or a qualified professional before making a financial decision.
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Related guides
- A First-Time Buyer's Guide to Irish Mortgages
Central Bank lending rules, deposit requirements, and how lenders assess affordability.
Frequently asked questions
How much can I borrow for a mortgage in Ireland?+
Under Central Bank rules, first-time buyers can typically borrow up to 4 times their gross annual income, and second-time or subsequent buyers up to 3.5 times. Your actual maximum is also capped by the loan-to-value limit, based on your deposit.
What deposit do I need to buy a home in Ireland?+
First-time and second-time buyers generally need a minimum deposit of 10% of the property price. Buy-to-let purchases require a larger 30% minimum deposit.
Can I borrow more than the Central Bank limits?+
Lenders can grant a limited number of exceptions each year above the standard loan-to-income or loan-to-value limits, but these are at the lender's discretion and not guaranteed. This calculator shows the standard limits, not exception scenarios.