First Time Buyer

Calculate your mortgage options as a first time buyer in Ireland. Find out how much you could borrow and compare offers from different lenders.

How Much Can I Borrow?

Enter your income and savings to see the maximum mortgage you could get as a first time buyer.

Application Type

Gross Annual Salary

Date of Birth

Central Bank allows 4× income for first-time buyers. Lenders can exceed this for 15% of their lending. Some may include overtime, bonuses, or other income.

Self Build (building on land you own)

Total Savings for Deposit

Include any gifts or Help to Buy funds. Exclude Stamp Duty and legal fees.

Maximum Mortgage Term

Based on a maximum age of 68 at the end of term. Some lenders may extend to age 70.

Expected BER Rating