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Mortgage top-up
How much can I borrow with a mortgage top-up in Ireland?
The amount available for a mortgage top-up depends on equity, income, affordability, the property and the lender's current criteria.
Page checked: 21 October 2026
Equity matters
If your home is worth more than the outstanding mortgage, the available equity can support additional borrowing. But equity alone does not determine the amount you can borrow.
Affordability still matters
The lender may assess income, existing commitments, household spending and the purpose of the top-up. The lender's current policy determines how much additional borrowing is available.
Estimate before you apply
Start with your current mortgage balance, property value and desired top-up, then check the resulting repayment against your budget.
Start with your current mortgage balance, property value and desired top-up, then check the resulting repayment against your budget.
Sources & assumptions
Central Bank mortgage-measure limits and Revenue stamp-duty rules can change. Check the official sources before relying on an estimate.
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