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Mortgage Calculator

Estimate your monthly repayments and see exactly what you can afford — built for the Irish market.

10%
3.60%
30 yrs
⚠️ In Ireland, first-time buyers typically need a minimum 10% deposit (max 90% LTV). Consider increasing your deposit.

Estimates only. Lending criteria, Central Bank rules and actual rates vary. Speak to a qualified mortgage advisor before making decisions.

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Estimated monthly repayment
Capital (loan)
Total interest
Loan amount€0
Deposit€0
Total interest€0
Total repayable€0
Talk to a Mortgage Advisor
Good to know

Buying in Ireland

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Deposit Rules

First-time buyers generally need 10%; second-time buyers 20%. Central Bank lending caps apply.

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Loan-to-Income

Most lenders cap borrowing at around 4× gross annual income, subject to exceptions.

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Help-to-Buy

Eligible first-time buyers of new homes may claim a tax rebate towards their deposit.

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Extra Costs

Budget for stamp duty (1% up to €1m), legal fees, valuation and survey costs.