The average loan-to-value (LTV) ratio for second and subsequent buyers (SSBs) in Ireland increased slightly in 2023 after declining three years in a row. In 2019, when the LTV ratio was the highest, the average loan for a repeat home purchase covered **** percent of the house price. In 2023, the average LTV ratio stood at ** percent - a decline of *** percent. Meanwhile, first-time buyer mortgage loans had a notably higher LTV ratio.
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. (June 11, 2024). Average second and subsequent buyer loan-to-value (LTV) ratio in Ireland from 2017 to 2023 [Graph]. In Statista. Retrieved July 15, 2025, from https://www.statista.com/statistics/1415630/average-repeat-buyer-ltv-ireland/
Central Bank of Ireland. "Average second and subsequent buyer loan-to-value (LTV) ratio in Ireland from 2017 to 2023." Chart. June 11, 2024. Statista. Accessed July 15, 2025. https://www.statista.com/statistics/1415630/average-repeat-buyer-ltv-ireland/
Central Bank of Ireland. (2024). Average second and subsequent buyer loan-to-value (LTV) ratio in Ireland from 2017 to 2023. Statista. Statista Inc.. Accessed: July 15, 2025. https://www.statista.com/statistics/1415630/average-repeat-buyer-ltv-ireland/
Central Bank of Ireland. "Average Second and Subsequent Buyer Loan-to-value (Ltv) Ratio in Ireland from 2017 to 2023." Statista, Statista Inc., 11 Jun 2024, https://www.statista.com/statistics/1415630/average-repeat-buyer-ltv-ireland/
Central Bank of Ireland, Average second and subsequent buyer loan-to-value (LTV) ratio in Ireland from 2017 to 2023 Statista, https://www.statista.com/statistics/1415630/average-repeat-buyer-ltv-ireland/ (last visited July 15, 2025)
Average second and subsequent buyer loan-to-value (LTV) ratio in Ireland from 2017 to 2023 [Graph], Central Bank of Ireland, June 11, 2024. [Online]. Available: https://www.statista.com/statistics/1415630/average-repeat-buyer-ltv-ireland/
