How much mortgage can I get on €100,000 salary in Ireland?
A quick guide to the income limits before lender-specific affordability checks.
Page checked: 21 October 2026
The headline numbers
Using the standard Central Bank income limits, €100,000 gross household income gives an indicative income-based ceiling of:
These are regulatory ceilings, not guaranteed mortgage approvals.
What about the deposit?
Standard owner-occupier buyers generally have a maximum 90% LTV, so a 10% deposit is normally required. Available cash also needs to cover buying costs such as stamp duty and legal fees.
Why the bank could offer less
Existing loans, regular spending, dependants, employment circumstances, savings history and lender affordability criteria can all affect the amount offered.
Use our affordability calculator to include income, buyer type and cash available.
Open Can I Afford It? →
What would the mortgage actually cost each month?
The income multiple is only one part of the picture. To make the borrowing figure more useful, here is an illustrative repayment comparison using the Central Bank of Ireland's latest published weighted-average rate of 3.53% for new Irish mortgage agreements in August 2026. This is a market benchmark, not a rate offer or a prediction of the rate a lender will give you. Check current lender offers before making decisions. This is an example only: your lender may offer a different rate and your actual repayment will depend on the mortgage amount, term and rate.
| Term | 4× income: €400,000 | 3.5× income: €350,000 |
|---|---|---|
| 20 years | €2,326 | €2,035 |
| 25 years | €2,009 | €1,758 |
| 30 years | €1,803 | €1,578 |
| 35 years | €1,660 | €1,453 |
Repayments are calculated on a standard capital-and-interest mortgage and exclude insurance, property tax, fees and other ownership costs.
How much property could that mortgage support?
If a standard 90% loan-to-value limit applies and you had exactly a 10% deposit, a €400,000 mortgage would correspond to a property price of roughly €444,444. A €350,000 mortgage would correspond to roughly €388,889.
That is not a recommendation or a maximum property price. A buyer with a larger deposit could purchase a more expensive property while borrowing the same amount, and purchase costs such as stamp duty and legal fees need to be funded separately.
What could change the result?
Your income multiple does not capture everything a lender considers. Existing loans, credit commitments, regular spending, dependants, employment type, savings history and the lender's affordability assessment can reduce the amount available. Some lending can be above the standard Central Bank limits, but that depends on lender availability and is never guaranteed.
If this salary page gives you a rough ceiling, the next step is to compare it with your actual monthly budget using the mortgage affordability calculator and then test the repayment on the mortgage repayments guide.
Official source and assumptions
The income multiples shown are standard Central Bank limits, not promises of approval. Repayment examples use a fixed illustrative rate and exclude insurance, fees and other ownership costs.
Central Bank — mortgage measures · Central Bank — retail interest rates
A practical check before using the maximum
The €400,000 and €350,000 figures above are income-multiple illustrations, not recommended borrowing amounts. Before shopping at the top of either range, test whether the monthly repayment would still leave room for normal household bills, childcare or other dependants, savings, maintenance and rate changes.
| Question | Why it matters |
|---|---|
| Do you have other loans or credit commitments? | Regular repayments reduce the money available for a mortgage. |
| Will you use most of your savings for the deposit? | Stamp duty, legal costs and moving expenses need separate cash. |
| Could you manage a higher interest rate? | A repayment that works at today's illustrative rate may be less comfortable after a rate increase. |
| Is the income stable and evidenced? | Lenders assess the nature and reliability of income, not just the headline salary. |
Use the Can I Afford It calculator to test your own income, buyer type and cash available, then compare the result with the €400,000 repayment example. The calculator is an estimate and cannot reproduce a lender's full underwriting assessment.