MortgageWise.ie

Chapter 1 of 10 · Before you start · How much can I borrow?

How much can I borrow?

Checked 21 Oct 2026the Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Housing Loan Requirements) Regulations, as amended by S.I. 141/2026.

The Central Bank sets two limits on every mortgage: a multiple of your income, and a share of the price. Enter your income and your deposit, and the tool shows the most the rules allow. A lender applies its own tests on top.

You

Who is buying, what do you earn, and what have you saved?

Who is buying
A first-time buyer has never owned a home, here or abroad. Buying again means you have. Buy-to-let is a home you will rent out.

This is the most the Central Bank rules allow. A lender applies its own tests on top and may lend less. It is not an offer.

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  1. What you are doing
  2. Who you need
  3. The home and where
  4. Your details
What are you doing?

Sources: Central Bank of Ireland: the mortgage measures (checked 2026-10-21) · Central Bank of Ireland: what are the mortgage measures (explainer) (checked 2026-10-21) · Central Bank of Ireland: bridging loans exempted from the loan-to-income limit (8 April 2026) (checked 2026-10-21)

Information, not advice. This tool applies the published rules to the figures you enter. It does not say what a lender will offer you, what a home is worth, or what is right for your money. Everything runs in your browser and nothing you type is sent to this site. Last checked 2026-10-21. MortgageWise is an independent site, not connected with the Central Bank of Ireland, Revenue, the Housing Agency, any local authority, any lender or any Government department. It is not a lender, a mortgage broker, a credit or insurance intermediary, a solicitor, a tax adviser or a financial adviser. It covers the Republic of Ireland only. Before you sign anything, talk to a solicitor and, for advice on a mortgage, to an advisor regulated by the Central Bank of Ireland.