Ireland Mortgage Calculator — Central Bank LTI (4.0x FTB / 3.5x SSB) & LTV Rules
Calculate your Irish mortgage borrowing capacity under Central Bank rules: FTB 4x LTI, SSB 3.5x LTI, 90% LTV deposit rules, monthly repayments, and +2% stress test.
Calculate your Irish mortgage borrowing capacity under Central Bank rules: FTB 4x LTI, SSB 3.5x LTI, 90% LTV deposit rules, monthly repayments, and +2% stress test.
Calculate your Irish mortgage borrowing capacity under Central Bank rules: FTB 4x LTI, SSB 3.5x LTI, 90% LTV deposit rules, monthly repayments, and +2% stress test. Calculate exact, penny-accurate projections compliant with 2026 Revenue Commissioners • DSP • Central Bank of Ireland standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Central Bank of Ireland macroprudential limits
Max LTI borrowing capacity: €340,000
Max\ Loan_{LTI} = Gross\ Income \times \begin{cases} 4.0 & \text{FTB (First-Time Buyer)} \\ 3.5 & \text{SSB (Second / Subsequent)} \end{cases} \\
Max\ Loan_{LTV} = Property\ Price \times \begin{cases} 90\% & \text{FTB & SSB (10\% Deposit)} \\ 70\% & \text{BTL (30\% Deposit)} \end{cases} \\
M = P \times \frac{r(1+r)^n}{(1+r)^n - 1} \quad \text{where } r = \frac{\text{Rate}}{12}, n = \text{Years} \times 12Under the Central Bank of Ireland Macroprudential Lending Measures, First-Time Buyers can borrow up to 4.0 times gross income with a 10% minimum deposit (90% LTV). Second and Subsequent Buyers are limited to 3.5 times gross income with 90% LTV. Lenders also stress test repayment capacity against a 2% interest rate shock.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual Central Bank of Ireland mortgage caps, Revenue PAYE/USC/PRSI rules, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a qualified financial advisor, CPA, or Irish Revenue documentation prior to executing financial commitments.
First-Time Buyers (FTBs) are allowed a Loan-to-Income (LTI) limit of 4.0 times gross income. Second and Subsequent Buyers (SSBs) have an LTI limit of 3.5 times gross income. Both categories share a 90% Loan-to-Value limit (minimum 10% cash deposit).
Irish commercial banks have statutory flexibility to grant exceptions above the standard limits: lenders can allocate up to 15% of their total lending to FTBs exceeding the 4.0x LTI limit, and up to 15% to SSBs exceeding their 3.5x limit.
Irish mortgage lenders are legally required by the Central Bank to stress-test your household budget against an assumed 200 bps (2.0%) interest rate hike. You must demonstrate sufficient net disposable income to afford the higher stressed monthly payment.
Yes! First-Time Buyers purchasing a new-build property can use the Revenue Help to Buy (HTB) rebate of up to €30,000 directly towards the required 10% deposit, and bridge affordability gaps with the First Home Scheme (FHS) shared equity.
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