The address: The Coach House, Fortesque Lane, off Mount Pleasant Avenue, Dublin 6.

The property: attractive stone-fronted two-bed mews-style house built in 2001 for €425,000. It has 81sq m (871sq ft) of space, an internal garage, west-facing rear garden and is in good decorative order throughout.

The agent: Douglas Newman Good.

The landscape: in a quiet lane between the villages of Ranelagh and Rathmines, the Luas, St Stephen's Green and Portobello are all within walking distance. There is a good selection of shops, restaurants and leisure facilities close at hand.

How much for an owner-occupier?A first-time buyer could get a 90 per cent mortgage, or €382,500, with AIB and this leaves them with an equity requirement of at least €42,500. To qualify, the household income would need to be around €85,000. At a one-year fixed rate of 3.09 per cent, monthly repayments over 25 years work out at €1,832 and, at a variable rate of 2.99 per cent, the repayments are €1,812.

How much for an investor?Stamp duty is €21,000. The maximum loan available to an investor is 75 per cent of the price, or €318,750, with AIB, and this is on the basis that their own income is around €350,000 with no other loans. This leaves them with an equity requirement of at least €127,250. Over 20 years at a two-year fixed rate of 4.25 per cent, monthly repayments are €2,369 and, at a variable rate of 4.2 per cent, €2,358. Over 25 years at the above rates, monthly repayments are €2,072 and €2,061 respectively.

Potential?The house would rent for around €1,500 a month.

Verdict:suits an owner-occupier looking for a base close to the city centre.

Calculations by Barry Sheridan, Chrome Capital Ltd, Fitzwilliam Square, Dublin 2