Affordwise
Affordability Calculator

What can you afford?

Enter your income and savings to see your budget, schemes, and matching homes. Based on Central Bank of Ireland mortgage rules.

Your Income

Use your gross annual salary before tax.

€
Joint application (adding a second income)

Your Savings

Total savings available for your deposit. First-time buyers need at least 10%.

€

Tip: Include any Help to Buy refund you expect — this boosts your deposit.

Your Preferences

Help us match you to the right schemes and developments.

I am a first-time buyer

Unlocks HTB, FHS and other first-time buyer schemes

Based on Central Bank of Ireland mortgage rules. Results are estimates only.

How we calculate

  • →Mortgage limit: Up to 3.5× your gross annual income (Central Bank rule)
  • →Deposit: First-time buyers need at least 10% (LTV 90%)
  • →Repayments: Estimated at 4.5% APR over 25 years — for illustration only
  • →Schemes: Checked against current HTB, FHS, and Local Authority Loan rules