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First time buyer, mover, switcher or self build. Check what the Central Bank rules let you borrow, then a mortgage advisor compares lenders and guides you from approval in principle to drawdown.
Figures are a guide. Your lender confirms what it will lend after its own checks.
The Central Bank limits how much you can borrow against your income. First time buyers can borrow up to 4 times gross income. Second and subsequent buyers can borrow up to 3.5 times. A first time buyer couple earning €100,000 between them can borrow up to €400,000.
The rules also set a minimum deposit. First time buyers and movers need at least 10%. Buy to let buyers need 30%. Lenders can go above the limits for a share of their lending: 15% of lending to first time buyers, 15% to movers and 10% to buy to let.
Limits effective since 1 January 2023, as published by the Central Bank of Ireland.
| Buyer | Loan to income limit | Minimum deposit | Lending allowed above the limits |
|---|---|---|---|
| First time buyer | 4 times gross income | 10% | 15% |
| Second and subsequent buyer | 3.5 times gross income | 10% | 15% |
| Buy to let | Does not apply | 30% | 10% |
| Switcher | Does not apply | Does not apply | Exempt |
The calculator gives you a starting figure. From there, your advisor gathers your documents, compares lenders and applies for approval in principle, which tells you how much a lender may lend. Then you go house hunting with a budget you can trust.
Once you go sale agreed, the lender values the property and issues a loan offer. Your solicitor does the legal work, your mortgage protection is put in place and the funds are drawn down on closing.
We compare lenders and their rates, fixed and variable. Your advisor looks at the full cost over the term, not only the headline rate, and matches the lender to your situation: first home, a move, a switch or a self build.
We also handle the parts that slow a mortgage down: the documents, the questions from the lender and the mortgage protection your lender needs before drawdown. If you already have a mortgage, we check whether switching would cut your repayments.
Your borrowing and repayments in minutes.
Upload your documents in one place through our mortgage portal.
Your advisor applies to the right lender for you.
Valuation done and the offer issued once you are sale agreed.
Mortgage protection assigned and funds released on closing.
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Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
Up to 4 times your gross income under the Central Bank rules, with a deposit of at least 10%. A lender can go above this in some cases, within the share of lending the rules allow.
At least 10% for a home, whether you are a first time buyer or a mover, and at least 30% for a buy to let.
No. Switcher mortgages are exempt from both the loan to income and the loan to value limits.
A scheme for first time buyers buying or self-building a new home. Budget 2027 raised the maximum to €35,000 from 7 October 2026. You can get the lowest of €35,000, 10% of the purchase price, or the income tax and DIRT you paid in the four years before you apply.
Your lender is legally required to make sure you have it on a home loan, with some exceptions. You do not have to buy the lender's own policy. Compare the market on our mortgage protection page.
No. It is a lender's indication of what it may lend, based on initial checks. The final offer follows the valuation and the lender's full assessment.
Checked 7 October 2026.
See what you can borrow in minutes, then a mortgage advisor is in touch to compare lenders.