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    Frequently Asked Questions

    • How much can you borrow for a mortgage?

      As a general guide first time buyers applying for a mortgage can borrow a maximum of 3.5 times their salary. So for a single earner earning €35,000 per annum, the maximum you can borrow would be €122,500.

      For two income application we combine both incomes so applicant one is earning €50,000 and the second applicant is earning €35,000 we have total earnings of €85,000 so we can borrow €85,000 x 3.5 = €297,500.

    Latest news

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      11th March 2024

      Following the unprecedented hikes in the European Central Bank interest rates since the summer of 2022, mortgage holders can at last look forward to rate […]

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      8th March 2024

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      28th February 2024

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    • Uncertainty for Irish mortgage households as ECB ponders when to start cutting interest rates

      20th February 2024

      Some ECB officials caution against sanctioning rate cuts but others have made more dovish predictions   Financial planning for Irish household mortgage holders and for […]

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    • Is it ever wise to buy a home with a friend to escape the rental trap?

      29th January 2024

      The pitfalls of getting a mortgage with a friend or relative – and how to protect yourself   You go on holidays together, split the […]

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    • Irish mortgage experts warn of tough decisions as ECB meets

      29th January 2024

      Markets are betting the ECB will have reduced rates by 1.5% by the end of the year, but will hold fire for some months yet. […]

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    Want to start the process?

    Let us guide you through the mortgage process