{"id":144405,"date":"2025-11-17T10:58:13","date_gmt":"2025-11-17T10:58:13","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/144405\/"},"modified":"2025-11-17T10:58:13","modified_gmt":"2025-11-17T10:58:13","slug":"who-are-the-people-getting-4-75-times-income-mortgages-and-whos-getting-left-behind","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/144405\/","title":{"rendered":"Who are the people getting 4.75 times income mortgages? And who\u2019s getting left behind?"},"content":{"rendered":"<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_paragraph indo-91174671_secondary indo-1d70522a_marginbottom4 indo-1d70522a_marginleft0 indo-1d70522a_marginright0 indo-1d70522a_margintop4\" style=\"color:var(--color-primary-80)\" data-testid=\"title-summary\">Each year up to 15pc of new mortgages are granted exemptions, with applicants allowed to borrow up to 4.75 times their income. So who makes the cut, and who doesn\u2019t?\n<\/p>\n<p><img decoding=\"async\" alt=\"Loan-to-income limits depend on several factors. Photo: Getty\" src=\"https:\/\/www.newsbeep.com\/ie\/wp-content\/uploads\/2025\/11\/6794df80-9f71-478b-8512-21a30ec0c70d.jpg\" loading=\"eager\" width=\"100%\" data-testid=\"article-image\"  \/><\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_caption1 indo-300db776_none indo-91174671_secondary indo-66f0fec7_regular indo-1d70522a_marginbottom0 indo-1d70522a_marginleft0 indo-1d70522a_marginright0 indo-1d70522a_margintop3 indo-b48c4984_left\" style=\"color:var(--color-grey-60)\">Loan-to-income limits depend on several factors. Photo: Getty<\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_paragraph indo-300db776_none indo-91174671_primary indo-1d70522a_marginbottom0 indo-1d70522a_margintop0 indo-b48c4984_inherit\" style=\"color:var(--color-primary-80)\">Derek Reilly remembers buying his first Irish home two decades ago. &#8220;I dealt directly with one of the big banks and there was a personal relationship, it wasn&#8217;t just about the computer crunching the numbers,&#8221; he said.<\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_paragraph indo-300db776_none indo-91174671_primary indo-1d70522a_marginbottom0 indo-1d70522a_margintop0 indo-b48c4984_inherit\" style=\"color:var(--color-primary-80)\">Now, after nearly a decade renting in Dublin, Mr Reilly and his partner Patrycja Jurkowska found a transformed market: impersonal, tightly regulated, and structurally stacked against them.<\/p>\n","protected":false},"excerpt":{"rendered":"Each year up to 15pc of new mortgages are granted exemptions, with applicants allowed to borrow up to&hellip;\n","protected":false},"author":2,"featured_media":144406,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[72,7781,61,60,8649],"class_list":{"0":"post-144405","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-business","8":"tag-business","9":"tag-geraldine-herbert","10":"tag-ie","11":"tag-ireland","12":"tag-property-mortgages"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/144405","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=144405"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/144405\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/144406"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=144405"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=144405"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=144405"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}