Mortgage approval question

[Mortgageseek]

Would you expect to get a mortgage (from AIB) if you were

-earning 70k per annum (4k per month after tax)
-in permanent job for more than 1 yr
-partner stays at home with 2 kids, no earnings
-savings of 53k
-no debt or loans
-current rent + savings of 1300 per month
-requesting to borrow 225k over 25 yrs on a house costing 260k.

Just testing the waters....

 

[WindUp]

based on the above & assuming there is a strong history of savings and & no previous credit issues I would say yes

 

[f9710145]

Yes - we have salary a bit lower than you, slightly lower savings, no debts, one at home with 2 kids, asked for €155k (only 50% LTV) and were told that we could probably get up to around 4 times the salary - and that was with PTSB who are doing almost no mortgage business.
Can't see you having a problem at all, you're the ideal candidate.