What are the Central Bank of Ireland Loan to Value and Loan to Income regulations?

The Central Bank Loan to Value and Loan to Income regulations are ceilings set on the amount of money that can be borrowed to buy residential property using:

- Loan to Value (LTV) limits
- Loan to Income (LTI) limits.

Loan-to-Value limits

The LTV limit requires you to have a minimum deposit before you can get a mortgage. The size of this deposit depends on what category of buyer you are.

First-time-buyers are required to have a minimum deposit of 10%.
Second and subsequent buyers (Movers and Switcher) are required to have a minimum deposit of 20%.

Loan-to-Income limits

The LTI limit restricts the amount of money you can borrow to a maximum of 3.5 times your gross income. So for example, a couple with a combined income of €100,000 can borrow up to a maximum of €350,000.

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