MAKE YOUR NEXT MOVE WITH CONFIDENCE
Mortgage Affordability Calculator Ireland
Explore a purchase budget using household income, deposit and standard borrowing limits.
Enter your figures to calculate.
How to use this calculator
- Enter gross annual income accepted by your lender; variable income may be treated differently.
- Set aside stamp duty and other costs before entering your deposit.
- Treat the result as a starting ceiling, then check repayments against your actual household spending.
WORKED EXAMPLE
Put the numbers in context
For first-time buyers earning €80,000 together with a €40,000 deposit, this model gives a €360,000 budget: a €320,000 mortgage plus the deposit.
Your questions, answered
Is this mortgage approval?
No. A lender considers debt payments, living costs, dependants, credit history and its own lending policies.
Are exceptions included?
No. The tool uses standard limits, not lender flexibility allowances, bridging loans or special cases.
What limits the budget?
The lower of the income-based purchase budget and the budget supported by a 10% deposit.