Estimate how much you could borrow based on Central Bank rules.
| Item | Value |
|---|---|
| Combined Income | -- |
| Income Multiple | -- |
| Max Borrowing (income-based) | -- |
| Deposit | -- |
| Max Property Price | -- |
Check your stamp duty with our calculator or get a full CGT report if selling.
Stamp Duty CalculatorThis calculator uses 2026 tax year rates verified against Revenue.ie. It provides estimates for general planning purposes. Individual circumstances may vary. For a personalised analysis, consider our paid reports.
The Central Bank of Ireland limits mortgage lending to 4 times your gross annual income (the loan-to-income, or LTI, limit). This is the primary constraint on how much you can borrow. Lenders also apply their own stress tests, typically checking you can afford repayments if interest rates rise by 2%.
Maximum mortgage (4x): EUR 400,000. Deposit at 10%: EUR 44,444.
Maximum property price: EUR 444,444. Monthly repayment at 3.5% over 30 years: approximately EUR 1,796.
Note: This is an estimate only. Actual lending decisions depend on your full financial circumstances. Always get formal mortgage approval before making offers on property.