Know exactly what you can afford before you start looking.
Enter your salary and savings. Instantly see your maximum budget, monthly repayments, which Government schemes you qualify for, and new developments that match.
How Affordwise works
From salary to shortlist in under 2 minutes.
Enter Your Figures
Input your income and savings. Joint application? Add your partner's income too.
Get Your Budget
See your maximum property price, mortgage, and estimated monthly repayments instantly.
Check Your Schemes
Automatically see which Government schemes — HTB, FHS, Local Authority Loan — you may qualify for.
Explore Matching Homes
Browse new developments in your county that fit your budget, with scheme eligibility shown.
Government schemes you may qualify for
Affordwise evaluates your eligibility for every active Irish first-time buyer scheme.
Help to Buy (HTB)
Refund of income tax & DIRT paid over 4 years — for new builds only.
First Home Scheme
Government equity support to boost your buying power on new builds.
Local Authority Home Loan
Fixed-rate government-backed mortgage for first-time buyers.
Run your calculation to see exactly which schemes apply to your situation.
Why use Affordwise?
Built specifically for Ireland's property market and mortgage rules.
Irish Government Schemes
We track all active first-time buyer schemes so you never miss an entitlement.
Real Budget Clarity
Based on Central Bank mortgage rules — not wishful thinking.
No Jargon
Plain language results. You'll understand exactly where you stand.
Free to Use
No sign-up required to run a calculation. Always free.
Common questions
Is Affordwise regulated financial advice?
No. Affordwise provides general information and estimates. Always consult a qualified mortgage broker or financial advisor before making any property decision.
How accurate is the affordability calculator?
It applies Central Bank of Ireland mortgage rules (3.5× income, 90% LTV for FTBs). Results are estimates — lenders may apply stricter criteria.
Does using Affordwise affect my credit score?
No. We don't run any credit checks. No hard or soft search is performed.
Ready to find out what you can afford?
Takes 60 seconds. No sign-up. No credit check.