Mortgage Affordability Calculator
How much can you borrow on your salary, and what price of home does that reach? Worked out to the Central Bank of Ireland lending rules — with your deposit and an estimated monthly repayment.
€
€
€
Buyer type
You could borrow up to
€180,000
4× income · limited by your income
Property price you could reach
€210,000
loan €180,000 + deposit €30,000
%
yrs
Est. monthly repayment
€839
Estimate only, to the Central Bank of Ireland mortgage measures (first-time buyers 4× income, movers 3.5×, 90% max loan-to-value). Lenders may apply a limited number of exceptions above these limits, and approval also depends on your repayment capacity, credit history and stress testing. Not financial advice — confirm with a lender or broker. Repayment assumes a level rate over the full term.
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Frequently asked questions
- How much can I borrow for a mortgage in Ireland?
- First-time buyers can borrow up to 4 times gross annual income; movers and second-or-subsequent buyers up to 3.5 times. Enter your income above for your figure. Lenders can also apply a limited number of exceptions above these limits.
- How big a deposit do I need?
- At least 10% of the purchase price — the Central Bank caps the loan at 90% of the property value for a home you will live in. A bigger deposit lets you buy a more expensive home once your income supports the loan.
- What can I borrow on a €45,000 salary?
- A first-time buyer earning €45,000 can borrow up to about €180,000 (4×), or €157,500 as a mover (3.5×) — provided the deposit covers at least 10% of the price. Two incomes are combined for a joint application.
- Does the calculator guarantee approval?
- No — it shows the Central Bank limits. Actual approval also depends on your repayment capacity, credit history, existing debts and the lender’s stress test. Treat it as a starting estimate, not an offer.