Enquiry form - Multi-lender

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Guide to standard qualification criteria for a mortgage.

Minimum Income requirements

  • Minimum Income single applicant €35,000
  • Minimum Income joint application €60,000

Maximum Mortgage

  • Mortgage maximum usually 3.5 times gross Income
  • Exceptions above 3.5 times income usually require €55,000 single or €80,000 joint incomes.


  • Employment should be permanent and secure
  • Contract employment considered in technology or medical area ( good contract history and prospects required)
  • Self Employed - typically 2 years accounts and tax returns

Financial management

  • Adequate deposit
  • Proven repayment capacity for mortgage sought - clear evidence from savings and rent
  • Good credit History
  • Minimum of short term loans - except affordable car loans
  • No credit card debt or overdrafts


If you are not ready yet, please focus on the criteria that need attention in order to qualify. Having a plan is important, budgeting is important and pursuing education and training to enhance your employment prospects is well worth the effort.