Free tool · Ireland

How much can I borrow?

An indicative estimate using Central Bank of Ireland loan-to-income (LTI) and loan-to-value (LTV) rules, plus a basic affordability stress test at your rate + 2%. This is a guide only — lenders assess your full financial position.

Your details

Buyer type

Applicants

Applicant 1 gross annual income (€)

Deposit / savings (€)Other monthly debt repayments (€)

Interest rate (3.90%)Term (30 years)

How the calculation works

Loan-to-Income (LTI)

Central Bank rules cap borrowing at 4× gross income for first-time buyers and 3.5× for second/subsequent buyers.

Loan-to-Value (LTV)

Deposit rules: 10% for first-time buyers, 20% for movers, 30% for buy-to-let.

Affordability & stress

Repayments are typically limited to ~35% of monthly income (net of other debts) and stress-tested at your rate + 2%.

Indicative only. Actual lending is subject to underwriting, credit history, age, employment status and lender-specific criteria. Exemptions to CBI limits exist but are rationed by lenders.