The Central Bank of Ireland’s mortgage measures set rules around loan-to-income (LTI) and loan-to-value (LTV), so the amount you may borrow can be linked to your income and the property’s value. Different provisions may apply depending on whether you are a first-time buyer, a mover or buying an investment property. Lenders may have limited flexibility in some cases, but meeting the measures does not guarantee approval, as they also assess affordability, debts, deposit and other circumstances. The rules can change, so check centralbank.ie and confirm the current position with a lender or qualified adviser.