People earning €60,000 a year should have access to 4.5 times their salary.
A group representing auctioneers is calling for higher rates of borrowing and increased use of long-term fixed rate mortgages.
In its pre-Budget submission, the Institute of Professional Auctioneers and Valuers says enabling people earning up to €60,000 a year to borrow 4.5 times their income would bring equity to the market.
Currently, buyers in this income bracket are permitted to borrow 3.5 times their income, which the group says gives little chance of buying for younger generations.
IPAV Chief Executive, Castlepollard's Pat Davitt says the current rules are putting people out of the market:
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