Explainer – What are the Mortgage Measures? The measures set limits on size of mortgages that consumers can borrow through the use of loan-to-value (LTV) and loan-to-income (LTI) limits. The Central Bank's mortgage measures consist of two main components: Loan-to-Income (LTI) limits and Loan-to-Value (LTV) limits. These rules apply to all regulated mortgage lenders in Ireland and are designed to prevent excessive borrowing that could lead to financial instability. Everything you need to know about getting a mortgage in Ireland in 2026 — eligibility rules, LTI limits, deposit requirements, mortgage types, and how a mortgage broker can help. This guide covers everything you need to know about the Irish mortgage market in 2026, including Central Bank rules, deposit requirements, and how to get approved. The straightforward answer is 4 times your gross annual income if you are a first-time buyer, or 3.5 times if you are buying as a second or subsequent buyer. These are the regulatory caps set by the Central Bank of Ireland and apply uniformly across all regulated mortgage lenders. Explore how Ireland's Central Bank lending rules affect homebuyers and conveyancing clients, influencing mortgage limits, affordability, and housing market trends. BTL mortgages are subject to a limit of 70% LTV. Each individual mortgage is not subject to this limit – but the banks must ensure that at least 90% of their BTL mortgages each year (by value) have this LTV limit of 70% applied. Current mortgage rates in Ireland for 2026, Central Bank lending rules, how much you can borrow, and a step-by-step guide to getting approved. As of 2026, the standard LTI limits set by the Central Bank of Ireland remain crucial for mortgage lending: First-Time Buyers can borrow up to 4 times their gross annual income, while Second and Subsequent Buyers are typically limited to 3.5 times. This is four times your gross annual income if you're a first-time buyer and 3.5 times your gross annual income if you're a second-time or subsequent buyer. The same rules apply regardless of how much you earn. Use our free Irish mortgage calculator to enter your income, deposit, and property price to instantly see what you can borrow and what your monthly repayments would look like.