Irish Calculators
Updated for 2026
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Mortgage Affordability Calculator Ireland 2026
Estimate how much mortgage you may be able to borrow in Ireland using income, deposit, buyer type and current Central Bank LTI/LTV limits, with a repayment stress test.
Borrowing Details
Used only for the repayment estimate.
Planning estimate
This calculator uses Central Bank mortgage measures as a guide. Lenders still assess credit history, outgoings, savings record, dependants, employment, and their own affordability rules.
Mortgage Affordability Estimate
Enter your income and deposit to estimate how much you may be able to borrow in Ireland.
How this mortgage affordability estimate is calculated
This calculator estimates how much mortgage you may be able to borrow from gross income, deposit, buyer type, current Central Bank LTI/LTV limits, and a standard repayment mortgage formula.
Published by Irish Calculators. Rates, rules and assumptions are maintained against the official sources linked below.
- Gross annual income is combined for single or joint applicants.
- The standard loan-to-income limit is applied: 4× gross income for first-time buyers or 3.5× for second/subsequent buyers. Buy-to-let uses LTV only in this calculator.
- The standard loan-to-value limit is applied: 90% for principal home mortgages and 70% for buy-to-let properties.
- Deposit capacity and the income-based limit are compared to estimate the maximum mortgage, property budget, minimum deposit, and monthly repayment.
- Central Bank lender-level allowances are not automatically added. A lender must still complete its own affordability, suitability and credit assessment.
Source note: Central Bank of Ireland mortgage measures and mortgage-measures FAQ. The limits are planning ceilings, not an entitlement to a mortgage or approval in principle. This is an estimate only and not financial advice.
How much mortgage can I borrow in Ireland in 2026?
The Central Bank mortgage measures set standard loan-to-income and loan-to-value limits. This calculator compares those limits with the deposit you enter to estimate a maximum mortgage and property budget. It does not predict what a particular lender will approve.
| Buyer type | Standard LTI limit | Maximum LTV | Minimum deposit | €60,000 income guide |
|---|---|---|---|---|
| First-time buyer | 4× gross income | 90% | 10% | Up to €240,000 before lender checks |
| Second/subsequent buyer | 3.5× gross income | 90% | 10% | Up to €210,000 before lender checks |
| Buy-to-let | Not set by the measures | 70% | 30% | Deposit/LTV estimate only in this calculator |
Allowances are not automatic. The Central Bank permits 15% of first-time-buyer and second/subsequent-buyer lending, and 10% of buy-to-let lending, above the standard limits at lender level. An individual borrower is not entitled to an allowance.
Worked mortgage affordability examples
These examples use the same standard LTI/LTV logic as the calculator and assume the full entered deposit is available for the purchase.
€60,000 income and €30,000 deposit
- Income limit: €240,000
- Estimated property budget: €270,000
- Result is limited by the 4× income rule.
€100,000 combined income and €50,000 deposit
- Income limit: €400,000
- Estimated property budget: €450,000
- Result is limited by the 4× income rule.
€80,000 income and €30,000 deposit
- Income limit: €280,000
- Estimated property budget: €300,000
- Result is limited by the 10% deposit.
Lenders must still assess affordability, creditworthiness, outgoings, dependants, employment, income stability and repayment capacity. This calculator is an independent planning estimate, not approval in principle or financial advice.
How This Calculator Works
1
Enter your buyer type, application type, gross annual income, and available deposit.
2
The calculator applies the Central Bank loan-to-income and loan-to-value limits for the selected buyer type.
3
It compares income-based borrowing power with the deposit/LTV limit to estimate maximum mortgage and property budget.
4
It then estimates the monthly repayment and a simple rate stress-test payment using the interest rate and mortgage term entered.
Who This Calculator Is For
First-time buyers checking how much mortgage they may be able to get in Ireland.
Second or subsequent buyers comparing income, deposit, LTI, and LTV limits before viewing homes.
Joint applicants estimating combined borrowing power from two incomes.
Buy-to-let buyers checking a simple 70% LTV and 30% deposit planning estimate.
Anyone comparing mortgage affordability with monthly mortgage repayment, stamp duty, Help to Buy, and First Home Scheme estimates.
Frequently Asked Questions
How much can I borrow for a mortgage in Ireland?
For a principal home, first-time buyers are generally limited to 4 times gross annual income and second/subsequent buyers to 3.5 times gross annual income. Your deposit and loan-to-value limit also affect the property budget.
How many times my salary can I borrow for a mortgage?
The current Central Bank mortgage measures set a 4 times income limit for first-time buyers and a 3.5 times income limit for second/subsequent buyers, subject to lender assessment and limited allowances.
Can first-time buyers borrow 4 times their income in Ireland?
Yes, the standard loan-to-income limit for first-time buyers is 4 times gross annual income. This is a maximum rule, not a guarantee of approval.
How much mortgage can I get on €50,000 salary in Ireland?
As a simple income-based guide, a first-time buyer on €50,000 may have an income limit around €200,000, while a second/subsequent buyer may have an income limit around €175,000 before deposit and lender checks.
How much mortgage can I get on €60,000 salary in Ireland?
A first-time buyer on €60,000 may have an income limit around €240,000. A second/subsequent buyer may have an income limit around €210,000. Deposit, LTV, and lender affordability checks still matter.
How much mortgage can I get on €80,000 salary in Ireland?
A first-time buyer on €80,000 may have an income limit around €320,000. A second/subsequent buyer may have an income limit around €280,000, before deposit and lender affordability checks.
What deposit do I need for a mortgage in Ireland?
First-time and second/subsequent buyers generally need at least a 10% deposit for a principal home mortgage. Buy-to-let buyers generally need at least 30% deposit.
What is LTI in a mortgage?
LTI means loan-to-income. It compares the mortgage amount with gross annual income. For example, 4 times income means a €60,000 income gives an income-based limit of €240,000.
What is LTV in a mortgage?
LTV means loan-to-value. It compares the mortgage amount with the property value. A 90% LTV means the mortgage covers up to 90% of the property and the buyer provides at least 10% deposit.
Do existing loans affect mortgage approval?
Yes. Credit cards, personal loans, car finance, childcare, dependants, and other monthly commitments can reduce what a lender is willing to offer even if the Central Bank limit appears higher.
Can joint applicants borrow more?
Joint applicants may borrow more because both gross incomes can be included. The same LTI multiple is then applied to combined income, subject to lender assessment.
Does Help to Buy count towards my deposit?
Help to Buy can support eligible first-time buyers of qualifying new homes. It may form part of the funds available, but the lender and Revenue conditions still apply. Use the Help to Buy Calculator for a separate estimate.
Is this calculator a mortgage approval?
No. It is an independent planning estimate only. Approval depends on the lender, your credit history, income stability, deposit, existing commitments, property type, and documentation.
Why might a bank lend less than this calculator shows?
A bank may apply stricter rules after reviewing your outgoings, repayment capacity, dependants, savings record, employment type, variable income, and credit history.
What is the difference between mortgage affordability and mortgage repayment?
Mortgage affordability estimates how much you may be able to borrow. Mortgage repayment estimates the monthly payment on a chosen mortgage amount, rate, and term.
Related Guides
Mortgage Affordability Calculator Ireland Guide
Borrowing power, income, deposit, LTI, LTV and lender reality checks.
How Much Can I Borrow?
Irish borrowing examples using income, deposit, buyer type and property budget.
Mortgage Approval in Principle
AIP meaning, common documents, lender checks and why it is not final approval.
Mortgage Deposit and LTV Ireland
10% deposit planning, 90% LTV examples, Help to Buy and FHS links.
Mortgage Calculator Ireland Guide
When to use the repayment calculator and how to read the result safely.
Mortgage Repayment Examples Ireland
Monthly repayment tables for common loan amounts, rates and terms.
Mortgage & Home Buying Guide Hub
Borrowing power, deposits and first-time-buyer checks.