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.
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.
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