CalculatorSalary & borrowingRepaymentsOverpaymentsFirst-time buyersAffordabilityExisting mortgage holders
Mortgage affordability
Mortgage affordability calculator explained for Ireland
An affordability calculator combines income, deposit, buying costs and other assumptions to give a rough purchase-price estimate.
Page checked: 21 October 2026
What affects the estimate?
IncomeIncome can set an indicative loan-to-income ceiling.
DepositCash affects the LTV side of the purchase.
Buying costsStamp duty and legal costs reduce the cash available for the deposit.
Monthly budgetA comfortable-payment limit can constrain the estimated mortgage.
Why the calculator is only an estimate
Lenders use their own affordability models, policies and application data. A calculator cannot reproduce every lender's assessment or guarantee approval.
Try the calculator
Enter your own figures and keep a cash buffer if you do not want every euro of savings committed to the purchase.
Enter your own figures and keep a cash buffer if you do not want every euro of savings committed to the purchase.
Sources & assumptions
Central Bank mortgage-measure limits and Revenue stamp-duty rules can change. Check the official sources before relying on an estimate.
Central Bank mortgage measures · Central Bank retail interest rates