Mortgage Approval achievable:
Standard mortgage level 4 times income for first time buyers €340,000
Mortgage exception up to €403,750
Budget - Second hand home -
Maximum purchase restricted as deposit needs to be min 10%, they have €30,000
Max Purchase Price restricted to: €300,000
Budget - New Build: using Help to Buy (HTB) only
Mortgage €403,750 (can request an exception)
+ Savings €30,000
+ HTB €30,000
Max Purchase Price = €463,750
Budget - New Build: using HTB & First Home Scheme
Mortgage €340,000 - No mortgage exception allowed with first home scheme
Savings €30,000
HTB €30,000
FHS €85,000 (17.5%)
Max Purchase Price €485,000
Assumes eligible for max help to buy €30k.
Figures are illustrative only and subject to full underwriting.
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