@gonick Have ye tried getting AIP? I had a car loan but it was no issue for the banks.
There's no one answer to this.
- What value house are you looking at?
- What will the banks even give ye at your max x4
If you went solo, banks would give you 180k. That'd give you a max house price of 200k. This would be 20k deposit. On top of that you've got fees - solicitor,valuation, stamp duty. Could be looking at another 6/7k minimum there.
If you went together, banks would give ye 320k, total house value of 355k. So ye,d need 35k together, add about 7/8k for fees. Because your partner has no debts, you might be able to get a mortgage together a lot easier as it'll balance out.
We bought for 225k, we ended up needing about 28k for everything to buy and another 4k for home appliances, furniture and bits and bobs. We were on about 10k under what ye currently are on at the time, I had a €280 car loan aswell and they were giving us our max. We didn't end up using the max at the time but we had the green light to buy up to 280k I think.