Normal Lending Criteria for Mortages in Ireland

31 March 2021
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Quick Criteria check for a successful application

While there is a wide variation in circumstances surrounding a mortgage application certain basic credit points are common to most successful applications:

  1. Good Credit History.
  2. Age 21 or over.
  3. Age not greater than 70 at end of mortgage term.
  4. Ability to repay - as a guide repayments on all loans including your mortgage should not exceed 35% your net income.
  5. Secure employment.
  6. Continuous employment for 2 years.

The primary focus is on repayment capacity.

apply online or contact one of our mortgage consultants.