how much can i borrow?

How Much Can I Borrow?

Ok now you know how much of a mortgage you can afford, but this doesn’t mean an Irish bank/building society will lend you this amount. Only a few years ago, the amount you could borrow was based on a multiple of your gross income, usually two and a half times the main earner and once the second.

While some mortgage lenders still use a similar calculation to this i.e. 5 times the joint gross income, more have moved to using a percentage of net income. This has lead to applicants being able to borrow much larger mortgage amounts.

We would like to provide you with a calculator here which would tell you how much of a loan you qualify for. However, this is'nt possible because the lenders are changing their criteria on a weekly basis. Please complete the "short application" form and we will come back to you with the amount.