Lender caps loans at two-and-a-half times salary…. what now for mortgage competition in the Irish Market?


Mortgage providers in the Irish market look set to be squeezed further with the news that ICS Mortgages is to amend its loan criteria for customers and cap the size of new home loans at just two-and-a-half times income for the first time, compared with the three-and-a-half times limit imposed by the Central Bank…… read more below or download here.



Whether you are  looking to switch lender currently, a first time buyer or  moving home, should you have any concerns about the issues raised in this article,  or investing in a buy-to-let property, why not chat to a Seaspray Mortgage adviser today about finding the mortgage that’s right for you:

tel.+353 83 099 0442     or email


Seaspray Financial Services Ltd trading as Seaspray Mortgages is regulated by the Central Bank of Ireland with registered number C165527



Weston, C. (2022) ‘Major fears for mortgage competition after lender caps loans at two-and-a-half times salary, Irish Independent, 12 August. Available at : (Accessed 12 August 2022).


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