Irish Mortgage Calculator
Updated on 20 Oct 2026 · Checked by Aotob
On €90,000 a year with €45,000 saved, you could borrow about €360,000.
That buys a home up to about €405,000 as a first-time buyer, with repayments of €1,677 a month at 3.8% over 30 years. Budget €4,050 for stamp duty on top.
You could borrow
€360,000
Your income sets the limit. A bigger deposit would raise the price you can pay, not the loan.
Show the working
Income 90,000 × 4 = 360,000
Deposit 45,000 ÷ 10% × 90% = 405,000
Loan = the lower of the two = 360,000 Repayment at 3.8% over 30 years = 1,677.45
What you could borrow at other incomes
| Income | Loan | Price | Monthly |
|---|---|---|---|
| 70,000 | 280,000 | 325,000 | 1,305 |
| 80,000 | 320,000 | 365,000 | 1,491 |
| 90,000 | 360,000 | 405,000 | 1,677 |
| 100,000 | 400,000 | 445,000 | 1,864 |
| 110,000 | 405,000 | 450,000 | 1,887 |
Questions people ask
How much can I borrow in Ireland?
Under the Central Bank rules, first-time buyers can usually borrow up to 4 times their gross income and second and later buyers up to 3.5 times, with at least a 10% deposit. Banks can make some exceptions above these limits each year.
Is it different for second-time buyers?
Yes, the income limit is lower. On €90,000 with €45,000 saved, a second-time buyer could borrow about €315,000 instead of €360,000.
How much is stamp duty on a home?
1% of the price up to €1 million, 2% on the part between €1 million and €1.5 million, and 6% above €1.5 million. It is paid on top of the price and cannot be added to the mortgage.
Updated 20 Oct 2026Source: Central Bank mortgage measures and Revenue stamp duty ratesChecked by AotobAn estimate, not financial adviceReport an issue