Who are buying all the new houses?

You always have to show the specific property. The value of the property has to assesed more carefully as the bank is taking on more risk. They just want to know the house is worth that much.

You got ridiculous already stating that a couple earning 90k gross would only be offered 245k or do you deny that you said that?

Myself and my partner last year on this very wage borrowed 360k from Haven, 4X our salary.

Did you apply for an exemption? You dont get offered an exemption. You have to request it. You have actually fill out the exemption request forms.

They base the exemption on your outgoings and savings history, number of children, credit cards, car loans, how long you've been in your job, the amount of your income that comes from bonuses and overtime, even down to what you've been spending on, like do you spend your money on holidays or gambling or sports etc. They wanted 6 month statements from us when we applied for the mortgage first, but 12 months when we applied for the exemption. Not sure of all the criteria because the broker did the heavy lifting for us and we just sent them anything they asked for and they filled out the forms and sent the docs in for us. A big thing he told us that was in our favour was that we had a record of AVCs going back years and years.

https://www.thejournal.ie/renting-ireland-and-north-6938763-Jan2026/?utm_source=thejournal&utm_content=top-stories

Definitely due to the relatively higher avocado consumption rates in the Republic…no it couldn’t possibly be that the property market in the Republic is totally dysfunctional, definitely not

People just need to pull themselves up by their bootstraps - the “Housing crisis” is a myth

And in spite of it all it’s still easier for them to get houses.

We’ve already been told in this thread that our mad rates of population growth are not having an impact on housing - it’s because younger people today are over educated but are also too stupid to understand budgeting for some reason, don’t you know?

Just a little pop at the ignorant self-serving bias that is so frequently on display on this thread

You have the older homeowners who fancy they achieved this status purely by virtue of their hard work and graft, frugal living and cleverness.

Then you have the (supposedly) feckless youth, who are so entitled, they are too stupid to know how to budget and make sacrifices (they’d never go without their avocado toast), they aren’t willing to show up and put in the hard yards.

The above is, of course, utter bollocks.

No acknowledgment from these homeowners of how much smaller the ratio of house prices to annual real income was then. How easy it was to access credit. How little competition there was (for jobs and housing) - competing against people in your town, maybe from a couple counties over as opposed to the entire world (and at a time when the primacy of the west was at its utmost, the former Soviet Union, China, India and the global south were economic backwaters).
I know it wasn’t all roses, unemployment was high at times, but the simple fact is, an average person could afford a decent house and a couple of kids on a single income and the wife at home at a reasonable standard of living. More or less impossible today.

Basically it’s pig ignorant to try and pretend that it’s no more difficult to buy a house today than it was 30 years ago. Like I said, utter self serving delusion.

As are the people who are claiming that people these days can’t buy houses because of Netflix and brunches, but you’re not calling them out?

You’re a landlord yourself, so is it possible that you have a bias also?

What’s my “agenda”? That the housing crisis is real? Hardly mad stuff

These generalisations are well worn tropes with plenty of examples thereof within this thread

Do you think it’s more difficult to buy a house than it was 30 years ago?

Your house value only matters if you plan on selling it, which you weren't so that's irrelevant. How exactly do you put 5-10k a year into your rental? Do not say that it's because you're not making more money in rent as this isn't an actual expense to you.

That is not what we're discussing at all though. You're complaining about not making enough money with 2 properties is hardly going to garner any sympathy no matter what way you want to spin it. Especially when you downplay the situation and your advice to younger generations stuck living with their parents in their 30's is "just get on with life, just find a way".