How Much Can I Borrow? Ireland Mortgage Calculator
Enter your gross annual income, your savings and the rate you expect: you'll see how much you could borrow under the Central Bank rules, the most expensive property that buys and whether the income limit or your deposit sets the limit.
General values (Ireland). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
More options
In Ireland, the limit we apply only counts the mortgage: your other debts don't change it, but the lender will review them and may lend you less.
Enter your income, savings, interest rate and term.
A rough estimate with a fixed payment. Lenders will also look at your other debts and job stability.
Work out the mortgage for this home →Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Enter your gross annual income and the savings you have available.
- Add the interest rate you expect and the term.
- Check the income limit (4 times for first-time buyers, 3.5 for others) and the loan-to-value, and if you like add a share of income for the repayment.
- See how much you could borrow, the property price that buys and which limit applies.
How it is calculated
A property price is worked out for each limit and the lowest applies. Income limit: the loan can be at most 4 times gross annual income. Deposit: your savings must cover 10% of the price plus the buying costs. If you fill in a share of income, a limit on the monthly repayment applies too. These are general values for Ireland. A second applicant's income is added to yours; other debt payments count the way the country's rule counts them.
Sources
- Mortgage Measures — Central Bank of Ireland
- Stamp Duty and property: rates — Revenue
- What are the mortgage measures — Central Bank of Ireland
About this calculator
How it’s calculated
The Central Bank sets two main limits for home loans. The income limit: up to 4 times gross annual income for first-time buyers and 3.5 times for second and subsequent buyers. The deposit: the loan can be at most 90% of the property’s value, so you need at least 10%, plus the buying costs. The calculator works out the property price each limit allows and shows the lowest.
An example: with €60,000 a year a first-time buyer could borrow up to €240,000. With €30,000 of savings and 2% buying costs, the deposit allows a property of about €250,000, while the income limit would allow about €264,700: here the deposit sets the limit.
What else lenders look at
Lenders can exceed the limits for a share of their lending each year. They also assess your spending, your other debts and your capacity to repay. If you’re a second or subsequent buyer, change the income multiple to 3.5.
Buying costs in Ireland
Stamp duty on a home is 1% up to €1 million, 2% on the portion up to €1.5 million and 6% above that. Solicitor’s fees, valuation, survey and Land Registry fees come on top. The 2% filled in is a general value: check it with your lender or adviser.
Frequently asked questions
How much can I borrow in Ireland?
Under the Central Bank's mortgage measures, first-time buyers can borrow up to 4 times their gross annual income and second and subsequent buyers up to 3.5 times. With €60,000 a year, a first-time buyer could borrow up to €240,000. Lenders can exceed the limits for a share of their lending.
How much deposit do I need?
At least 10% of the price for a home you will live in, because the loan is limited to 90% of the value. Stamp duty and legal fees are paid on top.
Does the calculator include the lender's other checks?
No. Lenders also look at your spending, other debts and repayment capacity, which can mean a lower loan than here. If you want your own limit on the monthly repayment, fill in a share of income.
What if we buy as a couple, or I already pay other loans?
Under «More options» you can add the second applicant's income, which is added to yours, and what you already pay each month for other loans, cards or leasing. In Ireland, the limit we apply only counts the mortgage: your other debts don't change it, but the lender will review them and may lend you less.
Updated 14 October 2026
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