Saving you money through lower mortgage rates 

 Check here to see if you qualify for a mortgage ?

Typical Minimum Income requirements

• Minimum income for a single person application is €35,000
• Minimum Income for a joint application is €60,000
• Minimum Mortgage size typically €135,000 

Maximum Mortgage

• Mortgage maximum usually 3.5 times gross guaranteed Income 
• Limited opportunities for exceptions above this level are available.

Employment

• Employment should be permanent and secure
• Contract employment considered in technology or medical area (very good contract history and prospects required)
• Self Employed - Minimum two years trading supported by Financial Accounts 

Your Finances and affordability

• 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 for approval !

Key area's to concentrate on are as follows:

• Eliminate short term debt as a priority.
• Pay credit cards bills in full as they due.
• Use 3.5 times gross income as a guide for your maximum mortgage
• Consider ways to grow your income such as promotion opportunities or upskilling through further education.
• Prepare a detailed spending and income budget and realistic targets to reach your deposit
• Save as much as possible