Your Trusted Mortgage Readiness Partner.
Audit your Central Bank borrowing capacity (4.0x FTB / 3.5x STB), stress-tested net income, bank conduct risks, and overpaid tax refunds in 60 seconds. Private, fast, and completely anonymous.
Why 1 in 3 Irish Applicants Face Delayed Approvals
Traditional bank underwriting relies on manual document reviews that miss crucial tax credit issues and reject candidates post-facto. Clara fixes this before you apply.
Traditional Manual Path
Common pitfalls & hidden friction
Undetected Emergency Tax
Unindexed tax credits cut take-home pay by up to 40%, shrinking your bank net disposable income score.
Unseen Conduct Flags
Unpaid direct debits, crypto trades, or overdraft reliance surface only during bank underwriting review.
Full PII Exposure
Unencrypted payslips and PPSNs passed across multiple broker email chains without client-side masking.
Approval Delays
Manual document collection and back-and-forth email clarification delay Approval in Principle.
Manual broker reviews miss emergency tax deductions and delay bank responses.
Deterministic rules_2026.1 computes exact borrowing caps & tax refunds.
The Clara Automated Audit
Instant, deterministic & 100% private
Payslip Intelligence
Extracts 5 critical fields to detect emergency tax, Week-1 basis, and calculates refunds.
Lender Underwriting
Computes exact loan-to-income borrowing caps and stress-tests net income against rate hikes.
Maya PII Anonymization
Strips PPSN, full name, address, and employer on device before analysis. Zero data leaks.
TAXMIND Handoff
Seamless referral to Revenue-registered tax agents via HMAC-signed expiring URLs for claims.
Everything You Need for Mortgage Approval
Four specialized engines designed explicitly for Irish PAYE mortgage applicants.
Payslip Intelligence
Extracts tax credits, SRCOP cut-offs, tax basis (CUMUL/W1/Emergency), and YTD PAYE totals with deterministic accuracy.
Lender Underwriting
Calculates Central Bank 4.0x FTB / 3.5x STB loan-to-income caps and stress-tests net income against interest rate hikes.
Bank Conduct Audit
Scans bank statements for Demonstrated Repayment Capacity (DRC) and flags unpaid direct debits, crypto, and overdraft overuse.
TAXMIND Referral
Single-tap referral to Revenue-registered tax agents via HMAC-signed expiring URLs to claim tax refunds safely.
How Clara Delivers Complete Readiness
From payslip upload to Central Bank approval budget and tax refund filing in 4 steps.
Upload Payslip
Maya Shield anonymizes your PPSN, full name, address, and employer name client-side before processing.
Extraction & Audit
Extracts tax credits, SRCOP cut-offs, tax basis, pay period, and cumulative PAYE YTD totals.
Kernel Verdict
Deterministic rules_2026.1 computes diagnostic verdicts, loan caps, and stress-tested disposable income.
TAXMIND Handoff
Single-tap handoff to Revenue-registered tax agents for human review and official refund filing.
Tailored Solutions for Every Applicant Scenario
Specific rules and readiness optimization paths for Irish PAYE borrowers.
First-Time Buyers (4.0x LTI)
Borrow up to 4.0x gross annual income. Clara checks your tax credits to ensure no emergency tax is shrinking your net take-home pay before bank submission.
Second-Time Buyers (3.5x LTI)
Borrow up to 3.5x gross salary. Clara stress-tests your net disposable income against existing loan obligations and computes exact Stamp Duty (1%/2%).
Job Switchers & Probation
Detects Week-1 tax basis restrictions common during employment transitions, preventing unexpected tax clawbacks and bank probation rejections.
Joint Applicants
Combines dual-applicant PAYE earnings, evaluates joint Demonstrated Repayment Capacity (DRC), and stress-tests joint borrowing capacity.
Why Choose Clara Over Traditional Options?
A clear breakdown of how Clara delivers faster, safer, and more thorough financial intelligence.
Clara Platform
Automated Irish Underwriting & Tax Engine
Traditional Brokers
Manual Document Collection
Direct Bank Applications
Single Bank Application
Strategic Intelligence That Transforms Your Borrower Trajectory
~€4,200 Identified
Average tax refund identified across emergency tax and misallocated credit files.
4.0x LTI Limit
First-time buyer borrowing limit accurately stress-tested against bank criteria.
100% Client Privacy
Maya Shield anonymizes PPSN, full name, address, and employer on device.
48 Hours Handoff
Fast Revenue tax filing with single-tap TAXMIND authorization.
Trusted by Irish PAYE Homebuyers
Hear how Clara helped borrowers uncover overpaid tax and secure mortgage approval in principle.
“Clara flagged €3,400 in emergency tax that my tech company had misallocated when I changed jobs in Dublin. Fixing it boosted my bank net income assessment for my mortgage.”
Sean McCarthy
Software Engineer, Dublin 4
“We were unsure whether our rent plus savings met the Demonstrated Repayment Capacity rules for €420k borrowing. Clara's DRC Audit gave us full confidence before approaching lenders.”
Aoife & Mark O'Byrne
First-Time Buyers, Galway
“The client-side privacy gave me complete peace of mind. Maya Shield removed my PPSN before analysis, and TAXMIND filed my tax refund in 48 hours!”
Ciarán Dempsey
Healthcare Worker, Cork
Frequently Asked Questions
Everything you need to know about Clara, Maya Shield, and TAXMIND.
Request Your Personalized Mortgage Readiness Briefing
Connect with our financial intelligence specialists or submit your details for an instant capacity check.
Dublin Support Operations
Guaranteed 24-hour turnaround on all applicant inquiries.