Irish mortgage calculators

Our simple mortgage repayment calculator lets you see how much your monthly mortgage payments could be from Ireland’s leading mortgage lenders.

Just fill in your details below and we’ll work out how much your mortgage repayments could be.

How are your mortgage repayments calculated?

Your monthly mortgage repayments depend on:

• How much you borrow
• How long your mortgage term lasts
• The mortgage interest rate
• Any other mortgage fees or charges

Our monthly repayment calculator searches our mortgage database for the best interest rates, and presents you with the cheapest mortgage deals based on your circumstances.

Our how much can you borrow calculator works out the maximum amount you might be able to borrow with a mortgage based on your income and deposit.

Just provide your income, how much deposit you’ve saved and indicate whether or not you’re a first time buyer.

Who sets the borrowing limits in Ireland?

The Central Bank of Ireland is responsible for borrowing limits and mortgage measures, to help:

• Ensure lenders lend responsibly
• Ensure you borrow what’s affordable
• Keep the economy stable

Lending rules were relaxed in 2022, and new measures took effect in January 2023.

To find out more about how lenders work out your mortgage affordability visit our How much can I borrow? guide.

Our Irish stamp duty calculator works out how much stamp duty you’ll have to pay based on the purchase price of your property.

Simply enter the value of the property you’re buying and indicate whether or not the property is a new build.

How is stamp duty calculated in Ireland?

When you’re buying a home, stamp duty rates depend on the value of the property. The rates for residential homes in Ireland are:

• 1% of the purchase price up to €1m
• 2% of homes between €1m- €1.5m
• 6% of anything above €1.5m

To find out more about stamp duty in Ireland and who has to pay it, visit our guide How does stamp duty work in Ireland?