- For Next Time Buyers can borrow a maximum of up to 90% of the value of the property (this percentage is known as the LTV, or Loan to Value of your home). The other 10% difference would be your deposit which you may have from savings or equity from the sale of your previous property.
- Up to 80% loan to value is available for a studio apartment valued at €275,000 or above, or a one-bedroom property. We do not lend for studio apartments valued at under €275,000.
The amount you can borrow depends on what you can comfortably afford to repay monthly, this typically not more than 35% of your disposable income. As a general rule, you can borrow up to four times your income, but it really depends on your overall financial commitments.