Estimate monthly mortgage repayments
Use the Mortgage Repayment Calculator to compare repayments, interest, and overpayment scenarios.
Quick answer
- Many repayment searches are amount-based, such as repayments on a 200k or 300k mortgage.
- Example tables are useful, but your own rate and term matter more than the headline loan amount.
- A 1% rate difference can materially change monthly payments on larger mortgages.
- Use the examples as a guide, then calculate your own exact scenario.
On this page
Example repayments by mortgage amount
The table below assumes a 30-year repayment mortgage at 4.00% interest. It is designed for comparison, not as a lender quote.
| Mortgage amount | Monthly repayment | Total repayable | Total interest |
|---|---|---|---|
| €100,000 | €477 | €171,870 | €71,870 |
| €150,000 | €716 | €257,804 | €107,804 |
| €200,000 | €955 | €343,739 | €143,739 |
| €250,000 | €1,194 | €429,674 | €179,674 |
| €300,000 | €1,432 | €515,609 | €215,609 |
| €400,000 | €1,910 | €687,478 | €287,478 |
| €500,000 | €2,387 | €859,348 | €359,348 |
Rate comparison on a €300,000 mortgage
This example keeps the mortgage amount and term the same, then changes only the interest rate.
| Rate | Monthly repayment | Total repayable | Total interest |
|---|---|---|---|
| 3.00% | €1,265 | €455,332 | €155,332 |
| 4.00% | €1,432 | €515,609 | €215,609 |
| 5.00% | €1,610 | €579,767 | €279,767 |
| 6.00% | €1,799 | €647,515 | €347,515 |
Term comparison on a €300,000 mortgage
This example keeps the rate at 4.00% and changes the term.
| Term | Monthly repayment | Total repayable | Total interest |
|---|---|---|---|
| 20 years | €1,818 | €436,306 | €136,306 |
| 25 years | €1,584 | €475,053 | €175,053 |
| 30 years | €1,432 | €515,609 | €215,609 |
| 35 years | €1,328 | €557,896 | €257,896 |
How to use these examples
Use the tables to understand the direction of change. A higher loan amount, higher rate or shorter term can increase monthly repayment. A longer term may reduce the monthly repayment but can increase total interest.
Frequently asked questions
What are the repayments on a €200k mortgage in Ireland?
At 4.00% over 30 years, a €200,000 repayment mortgage is about €955 per month. Your actual repayment depends on rate and term.
What are repayments on a €300k mortgage in Ireland?
At 4.00% over 30 years, a €300,000 repayment mortgage is about €1,432 per month.
Are these examples lender quotes?
No. They are simple examples for planning and comparison only.
Why do total interest figures look high?
Mortgage interest is paid over many years. Even a moderate rate can add substantial interest over a long term.
Should I choose the longest term for lower repayments?
Not automatically. A longer term can reduce monthly payments but usually increases total interest.
Is this guide tax advice?
No. It is general information for planning. Use official guidance or a tax adviser for your own situation.
Can I use the calculator for filing?
Use it as an estimate only. Complex activity such as DeFi, staking, mining, business trading, or many swaps may need specialist software or advice.
Sources & references
Key takeaways
- A mortgage amount table is useful for quick search intent, but it is not a personalised quote.
- Rate changes can matter as much as loan amount changes.
- Term length affects both monthly payment and total interest.
- The calculator should be used for the user’s own rate, term and deposit.