Ireland — how much you could borrow (simplified)
How much can I borrow
You could borrow about €192,500
These are example numbers — change them. Not advice.
Roughly how much mortgage you could borrow from income and deposit. The headline is the lower of a simple income (LTI) cap and an LTV cap. Numbers update as you type.
€
€
typical Central Bank–style LTI — banks vary
€
%
first-time buyers often up to ~90%
Simplified LTI/LTV — not a lender decision. Banks use their own stress tests and rules. Not advice.
Result
You could borrow about €192,500
Income cap
€192,500
LTV cap
€315,000
Binding limit
Income
Implied max property
€227,500
Borrowable + deposit