Typical deposit requirements 20%

• Maximum mortgage level 3.5 times your annual gross income

Exemptions are available to exceed the income limit or reduce the deposit requirement:

• You can only get an exemption in one category (either on the income side or the deposit side - not both)
• Examples of exemptions allowing higher multiples on the income side are where the full 20% deposit is available and income prospects are very strong and income levels high ( €60,000 + for a single applicant and €80,000 + for a joint application.
• Examples on the deposit side might be where the deposit saving is insufficient but high income levels result in applicants income multiple being at or below the 3.5 multiple.