How much mortgage can I get on €110,000 salary in Ireland?
A quick guide to the income limits before lender-specific affordability checks.
Page checked: 21 October 2026
The headline numbers
Under the standard Central Bank loan-to-income limits, €110,000 gross annual income gives an indicative income-based ceiling of:
These are regulatory ceilings, not guaranteed mortgage approvals. Lenders can apply their own affordability criteria.
What about the deposit?
For standard owner-occupier lending, the Central Bank's mortgage measures currently set a 90% maximum LTV for first-time and second/subsequent buyers, implying a 10% minimum deposit under the standard limit. Buying costs such as stamp duty and legal fees are separate from the deposit.
Illustrative repayments
If the full income-based ceiling were borrowed, this is what the capital-and-interest repayment would look like at the Central Bank of Ireland's latest published weighted average of 3.53% for new Irish mortgage agreements in August 2026:
| Term | FTB: €440,000 | SSB: €385,000 |
|---|---|---|
| 20 years | €2,559 | €2,239 |
| 25 years | €2,210 | €1,934 |
| 30 years | €1,983 | €1,735 |
| 35 years | €1,826 | €1,598 |
Illustrations only. Actual rates, terms and lender criteria vary.
Why a lender could offer less
Existing loans, regular spending, dependants, employment circumstances, savings history, credit commitments and lender affordability policies can reduce the amount available. The Central Bank limits do not mean every applicant can borrow the maximum.
Use the affordability calculator to combine income, buyer type, cash available and estimated buying costs.
Open Can I Afford It? →
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 ratesRevenue stamp duty rates