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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

    • ECB hikes could drive Irish mortgage rates to 5% by next summer

      26th September 2022

      From this year, a household on a tracker mortgage of €300k could see its repayments rise by almost €450 a month. The European Central Bank […]

      Read more

    • Mortgage delays: thousands risk being forced onto higher interest rates as banks too slow on switcher applications

      26th September 2022

      Completing a move to another lender is now taking up to four months due to logjam as customers rush for alternative loans. Thousands of homeowners […]

      Read more

    • Buyers struggle to get mortgages as rising prices limit loan offers

      19th September 2022

      The surge in the cost of living is making it harder for prospective homebuyers to get approval for a mortgage. Would-be borrowers have less money […]

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    • Consumer watchdog puts focus on hidden costs of cashback mortgages

      17th August 2022

      Competition and Consumer Protection Commission addresses deals that cost first-time buyers large sums of money over the lifetime of their loans. The State’s competition watchdog […]

      Read more

    • Financial pain for mortgage holders as ECB increases interest rates by 0.5%

      22nd July 2022

      The European Central Bank has raised interest rates by 0.5% to combat surging inflation, which is approximately 9% across the euro area. This is the […]

      Read more

    • Michael Dowling: Irish banks to benefit from ECB rate hike

      18th July 2022

      Irish mainstream banks will benefit more than their European counterparts by higher interest rates as net interest income accounts for 80% of Irish retail banks’ […]

      Read more

    Want to start the process?

    Let us guide you through the mortgage process