Ireland mortgage tool

Ireland Mortgage Repayment Calculator

Estimate monthly capital-and-interest repayments, current standard Central Bank LTV and LTI comparisons, standard residential stamp duty, regular home costs, another rate and optional extra repayments.

Official sources reviewed 21 September 2026

Estimate your Irish mortgage and home budget

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1. Buyer and property

Buyer typeChoose the Central Bank category that applies to this purchase. This tool does not cover switchers, negative-equity movers, arrears, lifetime mortgages or bridging loans.

Property priceEUR

Lender property valuationEUROptional. If blank, the property price is used. Enter the lender's valuation if known because LTV is based on property value.

Cash depositEUR

Annual gross household incomeEUR / yearOptional. Used only for a standard LTI-limit comparison, not a lender affordability decision.

2. Mortgage assumptions

Annual interest rate% p.a.Enter a lender rate you want to test. No market or bank rate is assumed.

Mortgage termyears

Comparison annual interest rate% p.a.Optional. Use this to test a possible future rate; it is not a forecast or stress test.

Extra monthly repaymentEUR / monthOptional. Fixed-rate limits or early repayment charges may apply. Confirm that the lender will credit it to capital.

Add ongoing and upfront costs (optional)

3. Ongoing home costs

Loan or account feesEUR / month

Local Property TaxEUR / yearEnter the confirmed amount for the property. This tool does not guess a valuation band or local adjustment.

Buildings or home insuranceEUR / year

Management or service chargesEUR / yearEnter zero if these do not apply to the property.

Mortgage protection premiumEUR / monthEnter a real quote. Mortgage protection is generally required by law for an Irish mortgage, subject to limited exceptions.

Maintenance and utilities budgetEUR / monthOptional planning allowance. It does not reduce the mortgage balance.

4. Other upfront buying costs

Other upfront buying costsEUREnter confirmed legal, valuation, survey and other costs. Standard residential stamp duty is calculated separately.

Country or region: Republic of Ireland only
Mortgage modelled: Capital and interest
Currency: Euro (EUR)

Important notice

For general information and educational use only. This calculator is not financial, mortgage, legal or tax advice, a personalised recommendation, an approval in principle, a loan offer or a guarantee of eligibility, approval, rates or costs.

The Central Bank limits are standard ceilings with lender-level allowances and exemptions. They do not replace a lender's valuation, lending criteria, verified-income treatment, credit checks or individual suitability and affordability assessment.

Do not bid for a property, sign a contract or make another financial commitment based only on this estimate. Confirm repayments, APRC, fees, insurance, taxes, fixed-rate break costs and eligibility with the lender and appropriate regulated, legal or tax professionals.

If you do not keep up your repayments you may lose your home. Missed payments may also affect your credit record and future access to credit.

What this calculator adds

Policy limits in context

Compare the entered mortgage with the current standard LTV and, where applicable, LTI limits without presenting them as a lender decision.

More than a repayment

Combine repayments with user-entered Local Property Tax, insurance, mortgage protection, management fees and a maintenance budget.

Upfront cash estimate

Add the deposit, standard residential stamp duty estimate and your own confirmed legal, valuation, survey and other buying costs.

Important limits and exclusions

This page applies to the Republic of Ireland. It does not apply to property in Northern Ireland, which uses the UK lending and property-tax system. The current Republic of Ireland standard limits are 4 times gross income for first-time buyers, 3.5 times for second or subsequent buyers, 90% LTV for those owner-occupier categories and 70% LTV for buy-to-let. LTI does not apply to buy-to-let. Lenders have limited allowances above the limits, exemptions exist and every application still requires a separate affordability and suitability assessment.

This calculator does not cover switcher mortgages, arrears or pre-arrears arrangements, negative-equity movers, lifetime mortgages or bridging loans, including the 2026 principal-home bridging-loan amendment. It does not determine first-time-buyer status or eligibility for Help to Buy, the First Home Scheme or another support.

It models one capital-and-interest mortgage with equal monthly repayments, monthly compounding and one rate for the full term. It does not model later refixing, variable-rate changes, split loans, interest-only periods, cashback, incentives, payment breaks, daily interest, lender rounding, APRC or fixed-rate break charges.

The stamp-duty estimate uses the standard residential bands of 1% up to €1 million, 2% on the portion from €1 million to €1.5 million and 6% above €1.5 million. It does not cover mixed-use property, bulk acquisitions, special 15% treatment, reliefs, refunds or unusual transactions. Confirm the actual tax with Revenue and your solicitor.

Published-calculator cross-check

For a €100,000 capital-and-interest mortgage at 4.70% over 20 years, this calculator gives €643.50 per month before display rounding. Permanent tsb's current published representative example, marked correct as of 3 July 2026, also states €643.50 for 240 monthly repayments. Its APRC and total-cost example includes specified fees, while this repayment-only cross-check does not.

Official Ireland references

JustFileKit is not affiliated with the Central Bank of Ireland, CCPC, Revenue or permanent tsb.

Frequently asked questions

Does a result within the LTV and LTI limits mean I will be approved?

No. The limits are only part of the mortgage rules. A lender still verifies income, spending, debts, credit history, deposit source, employment, age, property valuation and repayment capacity under its own criteria.

Can a lender approve a mortgage above the standard limits?

Possibly, but not automatically. The current rules allow limited shares of lending above the limits: 15% for first-time buyers, 15% for second or subsequent buyers and 10% for buy-to-let. The allowance belongs to the lender's lending portfolio and is not a personal entitlement.

Is mortgage protection always required?

CCPC states that mortgage protection is required by law when taking out a mortgage in Ireland, subject to limited age or health exceptions. A lender cannot require you to buy its own policy; you can shop around if the cover meets the lender's requirements.

Is buildings insurance legally required?

Home insurance is not generally a legal requirement, but a mortgage lender may require buildings insurance to protect the rebuild cost. Enter a real quote rather than an assumed national average.

Can I make unlimited extra repayments?

Not necessarily. Variable-rate mortgages usually allow more flexibility, while fixed-rate mortgages may limit overpayments or charge an early repayment fee. Confirm the contract and tell the lender to apply the extra payment to mortgage capital.