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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

Things worth noting

  • Avant Money enters mortgage scene with lowest rate on market

    14th September 2020

    Leitrim-based consumer finance company Avant Money has begun taking applications for its products from Monday with a fixed rate mortgage offering that is the lowest […]

    Read more

  • Spanish giant to rattle the cages of big firms who have Irish market cornered

    30th July 2020

    You would be forgiven for thinking that competition in the mortgage market had gone by the wayside, like many things during the pandemic. Banks are […]

    Read more

  • Interest rate war brews as new bank joins market

    30th July 2020

    A Spanish banking giant is to enter the Irish mortgage market in a move sure to put massive pressure on existing lenders to slash their […]

    Read more

  • Banks block drawdowns until end of pay subsidy

    28th July 2020

    Builders and brokers say hundreds of agreed home sales are being placed in jeopardy because of an unintended consequence of the State’s emergency wage subsidies. […]

    Read more

  • Banks have yet to heal the €60bn bailout wounds of a decade ago

    20th July 2020

    A decade after a €60bn taxpayer bailout of the country’s main banks, we still have a problem with trust when it comes to how they […]

    Read more

  • Ireland faces second mortgage arrears crisis when payment breaks end this autumn, leading financial advisers warn

    14th July 2020

    A leading debt adviser has warned that 30,000 households — or around half of the 62,480 currently on home loan payment breaks — will fail […]

    Read more

Want to start the process?

Let us guide you through the mortgage process