Information updated: October 2026
15%minimum deposit for a first home (25% for a second)
~€2,000total file costs: notary, valuation, analysis
0 leithe broker's cost to you
~1 monthfrom submitting the file to final approval
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Adjust the values to your situation and see the monthly payment, total cost and the indicative income required.
Monthly payment—
Total to repay—
Of which interest—
Indicative minimum net income—
Indicative calculation with equal instalments (annuity), excluding insurance and bank fees. The preset rates are indicative as of June 2026; your actual offer is calculated at the time, on your profile. Payments should generally stay below 40% of net income.
Frequently asked questions about mortgages
What deposit do I need?
15% of the price for your first home. If you already own a property, banks usually ask for 25%.
Can I get a mortgage for an apartment still under construction?
The mortgage itself is granted once the building is completed and registered, with cadastral documents, land-register extract and energy certificate. Until then you can obtain a financial pre-approval, valid for 60 days, confirming the amount you qualify for. Recommended order: pre-approval first, then the preliminary contract.
What income do banks accept?
Salaries, child-raising allowance, sole-trader income, dividends, rent, driver per-diems, seafarer contracts. Royalties are accepted by only a few banks.
How much work seniority is required?
Generally one year of uninterrupted income. With your current employer the last 3 months are analysed if the gap from the previous job was under 30 days; otherwise 6 months are required.
I work abroad. Do I qualify?
Yes. Employment contracts and 1–2 years of seniority are required. Income is weighted at 80% and the deposit rises to 30–40%.
Can I share the loan with someone?
Yes, and it is often advantageous. Spouses' incomes are combined, and a co-borrower can also be a sibling, a parent or the person you live with.
What debt-to-income ratio does the bank accept?
The sum of all your instalments should generally stay below 40% of income; some banks accept up to 50%, depending on their thresholds.
Fixed or variable rate?
In June 2026 fixed rates started at around 4.55%, while variable rates exceeded 8%, being made of IRCC plus the bank's margin. With today's differences, the fixed option is worth a careful look; it usually holds for 2, 3 or 5 years, then switches to variable. The broker can compare the offers available for your situation.
Do credit cards affect my file?
Yes, even unused: the bank counts about 4% of the card limit as a monthly instalment. It is often simpler to reduce the limit than to close the card, as closing takes 30 days.
Is VAT included in the loan?
Yes. The bank finances the price including VAT, and the parking space can be included in the same financing.
The information on this page is indicative and does not replace a bank's official offer. Conditions differ from one client to another and change over time.
Micro City Boutique Residence
Not sure yet what you qualify for?
We can start right there. The broker we work with will do a free pre-approval, and then we choose the apartment together.