Property & Deposit
Loan Terms
Mortgage Repayment Estimate
Enter your mortgage details and click Calculate Repayments to see your monthly estimate, total repayable amount, and interest breakdown.
About This Mortgage Planner
This calculator estimates your monthly mortgage repayment and helps you plan for the full cost of buying a home in Ireland. It includes scenario planning tools for overpayments and rate changes, stamp duty estimates, and Central Bank affordability guidance.
The Loan-to-Value (LTV) ratio is the mortgage amount expressed as a percentage of the property value. Irish lenders and the Central Bank of Ireland use LTV limits to determine how much you can borrow. For principal home mortgages, first-time buyers and second/subsequent buyers generally use a 90 % maximum LTV (minimum 10 % deposit). Buy-to-let purchases generally use a 70 % maximum LTV (minimum 30 % deposit).
The Estimated Upfront Costs section includes your deposit and an estimate of residential stamp duty using 2026 rates (1% up to €1M, 2% from €1M to €1.5M, 6% above €1.5M). Additional costs such as legal fees, valuation, and surveyor fees are not included but should be factored into your budget.
The Compare Scenarios section lets you test overpayment strategies and see how interest rate changes would affect your repayments. The affordability guidance uses Central Bank of Ireland Loan-to-Income (LTI) limits as a simple planning guide: generally 4x gross household income for first-time buyers and 3.5x for second/subsequent buyers. Standard LTI limits do not apply to buy-to-let mortgages. These are general guideposts and do not constitute financial or mortgage advice. Always consult a qualified mortgage advisor, broker, or lender before applying for a mortgage.