How much can I borrow?

How much banks will be willing to lend you will depend mainly on 2 factors:


  • Your finances – Banks need to make sure that you are not stretching your finances too much! The main indicator they use for this is what they call the repayment effort. Banks will accept clients whose repayment effort is lower than 30%. In some cases, this percentage can be slightly higher. You can check our affordability calculator to see how much you could borrow, considering this factor.


  • The price of the property you are purchasing – Banks have policies on what Loan to Value (LTV%) of your property they will finance. This percentage will depend mainly on your tax residency, the currency of your income, and the type of property.



This is not their only criteria, so please contact us and we will be able to help you assess your personal situation by answering a few simple questions.



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