Affordability for first time buyers in Kerry stands at just over half the national average Mortgage affordability for first-time buyers is improving, according to the latest EBS DKM Affordability Index. This is due to a combination of lower loan to value (LTV) ratio for first-time buyers, a 2% increase in average earnings in 2015 and a … Continue reading EBS DKM Index shows that mortgage repayment affordability improves for First-Time Buyers