Mortgage Readiness (Ireland)
Central Bank LTI cap 4x first-time / 3.5x second-time. LTV 90 percent FTB. Stress test +2 percent. Help to Buy up to EUR 30,000.
Region: Ireland (en-IE). Currency: EUR. Rules: Revenue 2026.
€
Your gross pay before any deductions.
€
Your net monthly pay after PAYE, USC and PRSI.
€
Rent, loans, childcare, subscriptions and other regular costs.
€
Liquid savings available, excluding deposit set aside.
€
Cash deposit ready for the property purchase.
Lenders typically want at least 6-12 months in role.
ISO country code. Defaults to IE.
IE 2026 Revenue rules. Citations link to revenue.ie and citizensinformation.ie.