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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

    • Is it time for the Central Bank to change its rules so house hunters have a shot?

      18th August 2021

      COULD A CHANGE TO RULES PUSH UP HOUSE PRICES? The Central Bank’s lending rules – which prevent first-time buyers from borrowing more than three-and-a-half times […]

      Read more

    • Michael Dowling: Benefits of fixing your mortgage for the very long term

      18th August 2021

      My advice for first-time buyers is to take out long-term fixed rates for 20 years or more. There is something of a revolution going on […]

      Read more

    • Mark Keenan: Spare a thought this Father’s Day for the separated dads trapped in a soul-destroying housing limbo

      21st June 2021

      A joke I’ve heard more than once from separated dads goes as follows: If two gay men get divorced in Ireland, who gets the house? […]

      Read more

    • Spanish bank to shake up mortgage market here with 30-year fixed-rate loans

      21st June 2021

      Spanish-owned mortgage provider Avant Money has upped the ante on its rivals by offering a range of new long-term fixed rates. The provider is the […]

      Read more

    • The real problem is ministers don’t actually believe there is a housing crisis

      10th May 2021

      If the Government can’t come up with a radical housing solution, the Coalition parties will find themselves redundant. It is telling that what lit a […]

      Read more

    • Calls for cashback mortgages probe before State uses money to back Ulster Bank loans sale

      28th April 2021

      The Government has placed its State-owned Permanent TSB as well as AIB, which owns the EBS mortgage lender, in the lead positions to buy large […]

      Read more

    Want to start the process?

    Let us guide you through the mortgage process