How much can a first-time buyer borrow?

Central Bank rules cap most FTBs at 4× gross income with a 10% deposit. Some exceptions exist.

1% on the first €1m of residential property, 2% above. Added here as a cash cost, not in the loan unless you roll fees.

No. Credit, outgoings and the stress rate can cut the offer.

Ireland mortgage calculator 2026

First-time buyers: typically 4× gross income and 10% deposit. Annuity plus 1%/2% stamp duty.

Monthly repayment

€1,468

€315,000 > 4× €55,000 (€220,000)

CBI lending limits still need lender stress tests. Not a loan offer.

How much can a first-time buyer borrow?: Central Bank rules cap most FTBs at 4× gross income with a 10% deposit. Some exceptions exist.
What is stamp duty?: 1% on the first €1m of residential property, 2% above. Added here as a cash cost, not in the loan unless you roll fees.
Is 4× guaranteed?: No. Credit, outgoings and the stress rate can cut the offer.