The Central Bank Mortgage Guidelines

As part of our series of guides on Financial Services, here you’ll find our guide to the Central Bank guidelines on lending limits. Since 2017, the Central Bank set limits on the size of housing loans made by the commercial lenders that it regulates. 

As a home buyer, this will have an impact on how much you can borrow to buy your new home.

 Our guide will help you to 

  • Understand the term ‘loan-to-income’ and what it means to you
  • Realise the importance of ‘loan-to-value’ for lenders and why it is such an important metric for them
  • See both financial concepts in action using practical examples

By applying practical stories and examples of people in the same position as you and other buyers, we’ll explain these financial issues simply and clearly, illustrating how they might impact on you.

At Sherry FitzGerald Mortgages, we’re with you every step of the way. Review our guide and if you have any queries, get in touch today.

Mortgage Calculator

Please be advised that the calculator is for indicative purposes only
Minimum Cash Deposit Required ? 0
Max First Home Scheme Available 0
Loan Amount 0

Your Mortgage Results

Cash deposit
Help To Buy Scheme
Total deposit ?
Monthly Repayments
in the 1st Year ?
With the 5-year fixed rate default rate, Year 1-5 payments will remain the same. If an alternative rate is selected, repayments will vary. No First Home Scheme Service Charge is applicable in Year 1-5. From Year 6 onwards a First Home Scheme Service Charge will apply.
Monthly Repayments
Household Salary Required

This calculator is for illustrative and guidance purposes only.

The amount you can borrow will depend on your individual circumstances and is subject to lending criteria, terms and conditions.

The limits applied can vary so it is important to contact us to discuss your options.

For full terms, please click here.

Above illustration based on 5 year fixed rate of 4.0% (APRC 4.1%)

Download our Central Bank Guidelines explainer

Read about how the Central Bank set limits on the size of housing loans made by the commercial lenders that it regulates. And how it impacts you.

Calculate your mortgage

Calculate your mortgage

Financial expertise from a specialist provider

Our Sherry FitzGerald Mortgages division can give you expert financial advice at every stage of your property process. From mortgages and life insurance to investments and pensions, and more, we’re with you every step of the way.

Learn More about our Services

Sherry FitzGerald Mortgages

Need advice - Contact one of our Mortgage Advisors
Open/Hide Content

Apply for a mortgage

Our team works hard on your behalf, providing a high quality, flexible service to get you the best mortgage deal possible.

Open/Hide Content

Financial Advice

Take a moment to review our selection of guides and advice below on all aspects of Mortgages and property in Ireland today.

Open/Hide Content

Mortgage Protection

Our focus is on finding you the best policy at the best price to suit your needs.