How much can I borrow on a €105,000 salary in Ireland?
A home up to about
€466,667
On €105,000 a year, you could afford a home up to about €466,667 with a 10% deposit of €46,667. You'd also pay €4,667 stamp duty, so you'd need €51,334 in savings. The mortgage payment would be about €1,886 a month.
- Deposit
- €46,667
- Mortgage
- €420,000
- Payment a month
- €1,886
- Stamp duty
- €4,667
How your deposit changes it
| Saved for a deposit | Home up to | Mortgage | Payment a month | Stamp duty |
|---|---|---|---|---|
| €46,667 (10%) | €466,667 | €420,000 | €1,886 | €4,667 |
| €105,000 (20%) | €525,000 | €420,000 | €1,886 | €5,250 |
How it’s worked out
Central Bank rules let first-time buyers borrow up to 4 times their gross income: €420,000 on €105,000. Second and later buyers can borrow up to 3.5 times (€367,500).
Assumes one first-time buyer borrowing up to 4 times their income under the Central Bank rules, at 3.5% over 30 years. The average rate on new Irish mortgages was 3.48% in July 2026 (Central Bank of Ireland).
- Central Bank rules let first-time buyers borrow up to 4 times their gross income, and second and later buyers up to 3.5 times, with incomes combined for couples. Lenders can make a limited number of exceptions.
- You need a deposit of at least 10%. Your savings pay the stamp duty (1% up to €1 million) first, and the rest goes towards the deposit. Legal and valuation fees are extra.
Frequently asked questions
How much can I borrow on a €105,000 salary in Ireland?
On €105,000 a year, you could afford a home up to about €466,667 with a 10% deposit of €46,667. You'd also pay €4,667 stamp duty, so you'd need €51,334 in savings. The mortgage payment would be about €1,886 a month.
How much deposit do I need on €105,000?
With €51,334 saved (€46,667 deposit plus €4,667 stamp duty), you could buy a home up to about €466,667. With €110,250 saved (€105,000 deposit plus €5,250 stamp duty), you could buy a home up to about €525,000.