How much mortgage can I get in Ireland?
Quick indicative examples for different gross household incomes.
Page checked: 21 October 2026
Salary examples
For standard owner-occupier lending, the Central Bank's measures generally cap borrowing at 4× gross income for first-time buyers and 3.5× for second and subsequent buyers. These are ceilings, not guarantees of approval.
More salary examples
Use Can I Afford It? to include your buyer type, cash available and estimated buying costs.
Open Can I Afford It? →
Why your actual borrowing could be lower
Lenders can consider existing debts, spending, dependants, employment, savings behaviour and their own affordability criteria. Deposit and property LTV also matter.
Indicative only. Confirm current rules and lender criteria before making a financial decision.
Other useful mortgage examples
If you already know roughly how much you want to borrow, these pages explain the repayment side instead.
Quick questions
Does 4× income mean I will get 4× my salary?
No. It is an income-based regulatory ceiling. A lender can offer less after assessing affordability and its own criteria.
Does my deposit increase how much I can borrow?
Your deposit affects the LTV and the price you can potentially buy, but it doesn't automatically increase the income-based borrowing ceiling.
What about stamp duty and legal fees?
They reduce the cash actually available for the deposit, which is why our affordability calculator accounts for estimated buying costs.
Why salary examples are only starting points
Income-based mortgage examples are useful for understanding scale, but the amount a lender will approve depends on more than gross salary. Existing loans, credit commitments, dependants, deposit, property value, interest rate and the lender's affordability assessment can all affect the outcome.
Irish mortgage measures also distinguish between first-time buyers and subsequent buyers. The Central Bank mortgage measures · Central Bank — retail interest rates (August 2026) are the best place to confirm the current framework.
Compare salary with repayments
Once you have an indicative borrowing range, convert it into monthly repayments. Our mortgage repayment guide and affordability guide help you test the payment rather than treating the borrowing limit as a target.