Central Bank of Ireland mortgage calculator
Calculate Irish mortgage repayments and check compliance with Central Bank loan-to-income limits (4.0× for first-time buyers). Free calculator.
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About this tool
Calculate monthly mortgage repayments in Ireland and verify whether your loan amount complies with Central Bank of Ireland loan-to-income rules.
How to use it
- 1 Enter the property price and your cash deposit (minimum 10% required).
- 2 Enter your gross household income to check your Central Bank borrowing ceiling.
- 3 Select buyer type: First-Time Buyer (4.0× LTI) or Second/Subsequent Buyer (3.5× LTI).
- 4 Review your monthly repayments, loan-to-value (LTV), and total interest cost.
Questions
What is the loan-to-income limit in Ireland?
Under Central Bank rules, first-time buyers can borrow up to 4.0 times gross income, and second/subsequent buyers can borrow up to 3.5 times gross income.
What is the Central Bank borrowing limit for first-time buyers in Ireland?
First-time buyers can borrow up to 4.0 times their gross annual household income, with a minimum deposit requirement of 10%.
What is the mortgage limit for second-time buyers?
Second-time and subsequent buyers can borrow up to 3.5 times their gross annual income, also with a minimum 10% deposit.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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