New mortgage customers need significantly higher incomes in order to buy a home, according to a new report.
The Banking and Payments Federation has found nearly €80,000 is needed to secure a draw down.
Just 13 percent of first time buyer mortgages and 7 percent of mover purchase mortgages were backed by incomes of up to €60,000 last year.
It means that as house prices go up, so too does the joint salaries needed to draw down a mortgage.
As is always the case, the government's line is that it must increase supply of housing to bring prices down.
Wicklow had the highest household income for new properties, while just a quarter of mortgages in Limerick were on new builds.
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