> MORTGAGE

What can you actually buy?

The Central Bank decides your ceiling. Your take-home decides whether you can live under it. Both, here.

Buyer type

Gross income (everyone on the mortgage)YOUR FIGURE

€

Savings for deposit + costsYOUR FIGURE

€

House price you’re looking at

€

New build — use Help to BuyUp to 10% of the price, max €35,000, homes up to €500,000. Limited by income tax you paid in the last 4 years.

Rate, term & costs+

Mortgage rateASSUMPTION

Check lender rates on the CCPC comparison.

Term (years)

Legal, survey, valuationASSUMPTION

€

MAX PRICE UNDER CENTRAL BANK RULESCALCULATED

€377,000

Limited by your deposit (need 10% plus stamp duty and fees). Lenders can exceed limits for a small share of loans; don’t plan on it.

Loan at max

€339,270

Monthly repaymentCALCULATED

€1,600

32% of est. take-home

If rates rise 2%PROJECTION

€2,012

per month

Total interest

€236,812

over 30 years at 3.9%

Can you buy at €400,000?CALCULATED

Not yet.

Deposit needed (10%)€40,000

Stamp duty€4,000

Fees€3,500

Cash you need€47,500

Savings shortfall€2,500

Repayment at that price€1,698/mo

Save €2,500 more.

What this means: the bank caps what you can borrow. Whether you should is about the repayment against your take-home. At 32% of net pay, there’s headroom — keep it that way. Check your exact take-home.

SOURCES · CHECKED 2026-10-02

LTI 4× first-time buyers, 3.5× second and subsequent; LTV 90% for both. Take-home estimated as a single PAYE earner on the combined income — couples usually take home more.

Max price€377,000