Mortgages

Irish mortgage calculators

Use our free online mortgage calculators to see how much you can borrow, estimate your mortgage repayments, and calculate stamp duty.

How much is my mortgage repayment?

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How much mortgage can I borrow?

Calculate now

How much is my stamp duty?

Calculate now

Mortgage repayment calculator

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.

How much can you borrow calculator

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.

Total income
This is your total annual income, if you're applying for a joint mortgage with someone else, include your combined annual income.
This is how much money you have to put towards buying your new home. If you're an existing homeowner, include the total amount of equity you have in your current property.

Who sets the borrowing limits in Ireland?

The Central Bank of Ireland is responsible for borrowing limits and set out mortgage measures in 2015, to help:

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

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

Stamp duty calculator

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.

Residential property value

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 anything above €1m

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?

Compare mortgage rates & deals

Find the best first time buyer and home mover mortgage deals in Ireland using our comparison.

Warning: If you do not keep up your repayments you may lose your home. Warning: The cost of your monthly repayments may increase. Warning: You may have to pay charges if you pay off a fixed rate loan early. Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period. The payment rates on this housing loan may be adjusted by the lender from time to time. (applies to variable rate loans only) Information provided and Interest rates quoted valid at 06/12/2022