How much can you borrow?

There are many factors that lenders consider when deciding how much they will lend you. These include;

  • Your income
  • Your age
  • If you have any dependents
  • Other loans/debts you have
  • Previous mortgages/other houses you own

Lenders must apply Central Bank of Ireland rules as well as their own criteria. For example, lenders may limit the percentage of your take-home pay that can be used for mortgage repayments.

Last updated on 5 January 2023