How Much Can I Borrow for a Mortgage in Ireland?

Enter your income and savings, and your partner's if you're buying together, to see how much you can borrow under the Central Bank's mortgage rules and the price it lets you buy.

Your yearly income

€

Before tax

Partner’s income

€

If you’re buying together

Savings for a deposit

€

More options· 3.5% over 30 years, First-time buyer

Interest rate

Term

years

First-time buyer

Borrow up to 4× income instead of 3.5×

The average rate on new Irish mortgages was 3.48% in July 2026 (Central Bank of Ireland).

You could afford a home up to

€277,227

€239,999 mortgage + €37,228 deposit

Mortgage payment: €1,078/mo
Most you can borrow: €240,000

Mortgage€239,999
Deposit€37,228

Cash you need: €40,000 (€37,228 deposit + €2,772 stamp duty)

Your income sets the limit: lenders lend up to 4× your income, which is €240,000.

See this home in the mortgage calculator

What this means

The mortgage payment would take about 22% of your income before tax.

This is the most lenders’ rules allow, not what’s comfortable. Buying below it leaves room for saving, repairs and higher rates when your deal ends.

Next step

Monthly costs at this price

	Per month	Per year
Mortgage payment	€1,077.70	€12,932.40
Total	€1,077.70	€12,932.40

How it’s worked out

Price your income allows: €277,227
Price your savings allow: €363,636
Stamp duty: €2,772
Most you can borrow: €240,000

Assumptions in this estimate

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.

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How the calculator works

It finds the highest price where:

Your income: the mortgage is no more than 4 times your gross income (3.5 times if you’ve had a mortgage before).
Your savings: they pay the stamp duty first, and what’s left covers at least a 10% deposit.

Whichever limit you hit first sets your price. If you’re not a first-time buyer, change that under More options.

Getting help with the deposit

First-time buyers of new homes may be able to get help with the deposit through the Help to Buy scheme. Ask your lender or solicitor what you qualify for.

See the repayments on any home in our mortgage calculator.

Last updated October 13, 2026

Frequently asked questions

How much can I borrow on a €60,000 salary?

As a first-time buyer, up to 4 times your income, so €240,000. With a 10% deposit of about €26,700, that buys a home up to about €266,700, with repayments of about €1,078 a month at 3.5% over 30 years. You'd also pay about €2,700 stamp duty, so you'd need about €29,300 saved.

What are the Central Bank mortgage rules?

First-time buyers can borrow up to 4 times their gross income, and second and later buyers up to 3.5 times. Couples' incomes are added together. Everyone needs a deposit of at least 10%. Lenders can make a limited number of exceptions each year.

Can a couple borrow more?

Yes. The limit applies to your combined income, so a first-time buyer couple earning €100,000 between them can borrow up to €400,000.

What other costs should I save for?

Stamp duty is 1% of the price up to €1 million, 2% on the part from €1 million to €1.5 million and 6% above that. The calculator takes it from your savings before the deposit. You'll also pay legal fees and a valuation, and mortgage protection insurance each month.