Mortgage Calculator Ireland

Our mortgage calculator provides a reliable estimate based on the figures you enter. It uses standard amortisation calculations. However, your actual repayment will depend on the interest rate your lender approves, any fees included in your mortgage, and the specific terms of your offer. We recommend using the calculator as a starting guide and then speaking with a broker for a precise figure.

If you already have a rate offer from a lender, enter that. If you’re exploring your options, use the current average Irish mortgage rate as a benchmark typically between 3% and 5% depending on whether you choose fixed or variable. Our brokers can access exclusive rates not available directly from banks, so it’s worth checking with us before you commit.

Yes. The calculator works for first-time buyers, movers, and remortgagers. If you’re a first-time buyer, remember that the Central Bank allows you to borrow up to 4 times your gross annual income, and you need a minimum 10% deposit on properties up to €500,000.

A mortgage repayment calculator helps you estimate how much you will pay each month on a mortgage. You enter the loan amount, term, and interest rate, and the calculator works out your monthly repayment, total interest, and total amount repayable over the life of the loan.

A mortgage overpayment calculator shows you how much interest you could save and how much earlier you could pay off your mortgage by making extra repayments above your standard monthly payment. Even small overpayments can make a significant difference over a 25–35 year term. Speak to a broker to check if your mortgage allows overpayments without penalty.

Yes. For buy-to-let mortgages in Ireland, lenders typically require a 30% deposit and will assess the rental income potential of the property alongside your personal income. The calculator above can give you a basic repayment estimate but buy-to-let mortgages have additional criteria. Contact our team for specialist buy-to-let mortgage advice.

A mortgage switch calculator helps you estimate the potential savings from
switching your existing mortgage to a new lender or a better rate. It compares your current repayments with what you’d pay under a new deal, factoring in any switching costs or break fees. If you’re on a standard variable rate, switching could save you tens of thousands of euros over the life of your mortgage.

A mortgage top-up allows you to borrow additional funds against your existing
property, using the equity you’ve built up. It is commonly used for home improvements, extensions, or other large expenses. Your lender will assess your current outstanding balance, the value of your property, and your ability to repay the additional borrowing.

You are not required to use a broker, but most homebuyers find significant value in doing so. A mortgage broker in Ireland has access to the full market of lenders including exclusive rates not available on the high street and can save you time, money, and stress. Our brokers are authorised by the Central Bank of Ireland and provide advice at no direct cost to you.

Mortgage approval in principle (AIP) typically takes 3-10 business days from the date you submit a complete application. Full formal loan offer can take 4-8 weeks depending on the lender and the complexity of your case. Working with a broker who knows each lender’s requirements can significantly speed up the process.