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ARTICLE · 22 DECEMBER 2021

Mortgage Measures: Central Bank Consults On Potential 2022 Changes

Arthur Cox
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The Central Bank has launched a public consultation (CP146) on its Mortgage Measures.

IrelandFinance and Banking
Arthur Cox
Arthur Cox
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The Central Bank has launched a public consultation (CP146) on its Mortgage Measures.   

Launched in 2015, the Mortgage Measures use loan-to-value (LTV) and loan-to-income (LTI) limits to cap the amounts that borrowers can borrow to purchase residential properties, while giving lenders some flexibility to lend above those limits. The Central Bank reviews the Mortgage Measures annually, but had already signalled that it did not plan to introduce substantive changes in 2021.  Instead, the Mortgage Measures, together with market-based finance and capital buffers, are the three areas that are subject to the Central Bank's ongoing review of its macroprudential policy framework.  This review began in 2021, and will continue in 2022.

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This article contains a general summary of developments and is not a complete or definitive statement of the law. Specific legal advice should be obtained where appropriate.

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