How much can I borrow?
Start from what you can pay each month, not from a price you saw in a listing. This works out the loan that fits, then shows what happens to it if rates go up.
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Your monthly budget
The loan you would take
What your budget supports
€243,932
- Monthly instalment
- €1,200.00
- Price you can reach
- €273,932
- Interest over the term
- €188,068
If rates rise by 2%
The same budget would carry €49,038 less. That gap is what a fixed rate buys you, and what a variable rate leaves you exposed to.
This link carries your income. Whoever opens it sees the figures you entered.
An estimate, not a lending decision. No lender is bound by it, and no offer follows from it.
Why this starts from the instalment
Most people meet this question the wrong way round: they find a price, then ask whether they can carry it. Starting from the monthly figure puts the constraint first, because the instalment is what you actually live with for the next twenty or thirty years. The arithmetic is the ordinary annuity formula run backwards. Instead of asking what a given loan costs per month, it asks what loan a given month can clear, at the rate and over the term you set.
What this does not know about you
A lender looks at more than a ratio. Employment type, how long you have been in the job, your credit record, the property itself and its valuation, and any national rule about deposits or income multiples all change the answer, and none of them are here. Treat this as the bracket you are shopping in, not the decision. The one number worth carrying to a broker is the instalment you are comfortable with, because that part is yours to set and nobody can talk you out of it.
The rate rise matters more than the rate
A limit computed at today's rate is the most fragile figure on this page. If your rate is variable, or fixed for only a few years, the instalment moves and your budget does not. That is why the same budget is run a second time at a higher rate: the difference between the two is the room you would need if rates turned. If the stressed figure is far below the headline one, the headline one is a number you can reach but not necessarily hold.