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Affordability Calculator

This calculator is intended to help you decide whether a planned level of housing cost is affordable.
The results generated are more useful if the information provided accurately represents your circumstances; it may be useful to have a payslip or a bank statement to hand when filling out the required fields below.

How much do you pay in rent every month?
Value cannot be empty or zero


Income before tax
Value cannot be empty or zero
How much do you have left after tax (including any state payments)?
Value cannot be empty or zero Net income cannot be more than Gross Income
Loan repayments and other financial obligations
Value cannot be empty or zero

This level of borrowing breaches standard regulations governing mortgage lending established by the Central Bank. Seeking exemptions from the standard rules governing lending criteria places households at risk of experiencing affordability challenges.

Disclaimer: This calculator is provided as a guideline only. Mortgage repayment calculations assume an annual interest rate of 3.7 percent.