Affordability Calculator

Find out how much you can qualify for on a home loan.

How much can I borrow?

Helping you make smart home buying decisions since 1990.

This affordability calculator is designed to give an indication of how much you can borrow for a home loan based on a 35 year mortgage term.

Your advisor will calculate exactly how much you can borrow based on your personal circumstances, and what that would cost, while explaining the home buying process in simple terms – no jargon!

To get an exact and detailed quote please click below to speak with a IMC advisor. 

About the Affordability Calculator

As Ireland’s leading mortgage advisor, we offer a comprehensive remortgage calculator to help you estimate your potential savings.  Our free calculator is a resource to help you make an informed decision.

About the home loan affordability calculator

Enter your details in the mortgage calculator to estimate the maximum mortgage you can borrow. After performing the calculation, you can have a look at what you are likely to pay per month.

It is important to understand that the figures generated here are only illustrative – they are not a quotation! Different lenders calculate in slightly different ways, and may take other factors into account.

Answering the question: How much can I borrow?

First time buyers maximum mortgage level is 4 times your gross annual income with the mortgage capped at 90% of the purchase price.

For example, if your gross salary is €80,000, the maximum mortgage would be €320,000. This calculator gives you an estimate of the maximum amount you will be able to borrow.
Second time buyers maximum mortgage is 3.5 times gross income with a cap also of 90% of the purchase price.

Our Expert Advisors can help you

Most home buyers use a combination of mortgage facilities and savings or help to buy schemes to buy their new home.

First time buyers can take out a mortgage of up to 90% of the purchase price of a home.

When arranging mortgages we need to satisfy lenders that can comfortably afford the repayments on the mortgage. In this regard we look at evidence of consistent savings and also history of rental payments.

Out of 5 on 700+ Reviews

What Ireland is saying....


I’m delighted to share my positive experience with Irish Mortgage. Their dedicated team, especially Steven, played a pivotal role in making our dream home a reality. Their expertise and commitment throughout the loan process were exceptional.thanks to Mel for their assistance as well. Highly recommend Irish Mortgage for their professional and personalized service. As a first time buyer our process has been a cake walk with all the help from these expertise team. We are super delighted with our new house and can’t recommend them enough!!
Divya Teja Bendapudi

Happy start to finish

I was very happy with the Irish Mortgage Corporation team from start to finish. Eoin was excellent at distilling the options available in the market and helping me find the right fit. Rob made the mortgage protection process seamless. Zoe managed my case day to and was extremely quick with any requests I made and very patient as my property situation was far from straight forward. Would highly recommend the team there and I’m very happy I chose them.
Conor Griffin

Can't recommend enough

I’ve decided to try Irish Mortgage Corporation after reading the positive reviews, hoping that they would simplify and make my mortgage application quicker. Well, I don’t regret even once my choice.
From the very first email I could see a very structured and professional business. I had the pleasure to deal with Conor Furlong who helped and advised me throughout the whole process in a very professional and prompt way. I only had to provide him with my documents through a very user friendly portal and then he took it from there, keeping me constantly updated on my application. I can’t recommend him and the Irish Mortgage Corporation enough, whether you are a first time buyer or not.
Giovanni Valente

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