The average loan-to-value (LTV) ratio for first-time buyers (FTBs) remained relatively stable from 2017 to 2022. In 2017, the LTV stood at 79.7 percent, meaning that the average first-time buyer mortgage loan amounted to almost 80 percent of the total house price. The highest LTV ratio was observed in 2020 at 81.9 percent, followed by a decline in the following years to approximately 80.5 percent in 2021 and 80.2 percent in 2022. Meanwhile, loans to second and subsequent borrowers had a notably lower LTV ratio.
Average first-time buyer loan-to-value (LTV) ratio in Ireland from 2017 to 2022
Characteristic
Percentage of total asset price
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The loan-to-value (LTV) ratio is a financial measure employed in real estate and mortgage transactions. It reflects the connection between the loan amount and the assessed value or purchase price of an asset. To determine the LTV, the borrowed amount is divided by the property's appraised value and expressed as a percentage.
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Central Bank of Ireland. (September 26, 2023). Average first-time buyer loan-to-value (LTV) ratio in Ireland from 2017 to 2022 [Graph]. In Statista. Retrieved July 22, 2024, from https://www.statista.com/statistics/1415340/average-first-time-buyer-ltv-ireland/
Central Bank of Ireland. "Average first-time buyer loan-to-value (LTV) ratio in Ireland from 2017 to 2022." Chart. September 26, 2023. Statista. Accessed July 22, 2024. https://www.statista.com/statistics/1415340/average-first-time-buyer-ltv-ireland/
Central Bank of Ireland. (2023). Average first-time buyer loan-to-value (LTV) ratio in Ireland from 2017 to 2022. Statista. Statista Inc.. Accessed: July 22, 2024. https://www.statista.com/statistics/1415340/average-first-time-buyer-ltv-ireland/
Central Bank of Ireland. "Average First-time Buyer Loan-to-value (Ltv) Ratio in Ireland from 2017 to 2022." Statista, Statista Inc., 26 Sep 2023, https://www.statista.com/statistics/1415340/average-first-time-buyer-ltv-ireland/
Central Bank of Ireland, Average first-time buyer loan-to-value (LTV) ratio in Ireland from 2017 to 2022 Statista, https://www.statista.com/statistics/1415340/average-first-time-buyer-ltv-ireland/ (last visited July 22, 2024)
Average first-time buyer loan-to-value (LTV) ratio in Ireland from 2017 to 2022 [Graph], Central Bank of Ireland, September 26, 2023. [Online]. Available: https://www.statista.com/statistics/1415340/average-first-time-buyer-ltv-ireland/
