We’ve used the details you entered—your buyer type, annual household income, and deposit amount—to give an indicative estimate of how much you may be able to borrow. The calculation applies standard affordability rules used across the Irish mortgage market, including typical loan-to-income limits. It’s designed to give you a quick sense of what’s possible, rather than a final figure.

Think of it as a guide rather than a guarantee. The calculator provides an estimate based on the information you’ve shared, but lenders will also consider other factors such as your monthly outgoings, existing loans, and credit history. Market conditions and interest rates can change, too. For a personalised figure, it’s always best to speak directly with a mortgage broker.

If you’re self-employed, use your average annual income over the past two to three years, as this is typically what lenders will assess. For bonuses or commission, include only the portion that’s regular and guaranteed. If your earnings vary, it’s better to be conservative—this will give you a more realistic picture of what you might borrow.

If the estimate looks right for you, the next step is to explore your mortgage options in more detail. You can arrange a consultation with one of our mortgage brokers, who’ll review your full financial situation and help you find the most suitable product.