Loan to Income Exception

R

Ryan

Registered User
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Single FTB looking to buy in Dublin. Have close to €60k in savings but an income of just over 40k. To allow me to buy I need more than 3.5 times my salary. What is the criteria to get that or steps you should take?
 
I don't know if the banks have published any criteria.

Give all the figures and you might get more useful information.

Target price of house:
Deposit: €60k
Mortgage required:
Salary: €40k

Age:
Profession:

Brendan
 
House price €220k approx
Deposit €60k
Salary €40k plus 10% Bonus

Age 30
Work in tech industry

I understand there may not be a specific criteria but are there things that make you a good candiate to get an exception?
 
Ryan said:
House price €220k approx
Deposit €60k
Salary €40k plus 10% Bonus

Age 30
Work in tech industry

I understand there may not be a specific criteria but are there things that make you a good candiate to get an exception?
Click to expand...
Have you factored in the HTB scheme?
 
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