The Central Bank of Ireland’s mortgage measures set limits on how much people can generally borrow compared with their income and the value of the property, known as loan-to-income and loan-to-value limits. They are designed to support responsible lending and financial stability, but lenders may apply their own affordability checks as well. Some exemptions and different rules can apply depending on your circumstances, including whether you are a first-time buyer or moving home. The limits and details can change, so check the latest information with the Central Bank and ask a regulated lender how the rules may apply to you.