Car loans, credit cards, other monthly repayments
Max Property Price
€270,000.00
Max Mortgage
€220,000.00
LTI Ratio
4.0x
Monthly Payment
€1,075.84
Central Bank limit: 4x income (FTB)
What is the LTI limit?
The Central Bank of Ireland sets a Loan-to-Income (LTI) limit. First-time buyers can borrow up to 4 times their gross annual income. Non-first-time buyers are limited to 3.5 times. Banks may give exceptions to a small number of borrowers.
Can I use joint income?
Yes. If you are buying with a partner, banks use your combined gross annual income to work out how much you can borrow. For example, two people earning 40,000 euro each could borrow up to 320,000 euro as FTBs (4 x 80,000).
What about the LTV limit?
FTBs need a minimum 10% deposit (90% LTV). Non-FTBs need 20% (80% LTV). This means if you can borrow 220,000 euro, you also need at least 24,444 euro saved for a 10% deposit on a 244,444 euro property.
Central Bank-Aligned: Uses 2025 macro-prudential mortgage measures. Individual bank policies may be more restrictive.
Disclaimer: This calculator provides estimates based on current HMRC rates and thresholds for the 2025/26 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant or tax adviser before making financial decisions. Read our terms
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