Irish Mortgage Calculator 2026
Calculate your monthly repayments, borrowing power, and overpayment savings. Based on actual Irish lender rates and Central Bank rules.
Quick rate presets
Your results
Monthly repayment
€0
Annual repayment
€0
Total interest paid
€0
Total amount paid
€0
Interest % of total
0%
Central Bank stress test (rate +2%)
5.25%€0/mo
Lenders must confirm you can afford repayments at this rate.
Buyer type
Your borrowing power
Maximum mortgage
€0
Combined income
€0
Income multiple used
4×
Min. deposit required
€0
Your deposit
€0
Max property price you could buy
€0
Based on Central Bank of Ireland lending rules. Lenders may apply stricter criteria.
⚠️ Fixed-rate mortgages typically cap overpayments at 10% of the outstanding balance per year. Variable rates usually allow unlimited overpayments. Check your mortgage terms.
Overpayment impact
Standard monthly
€0
With overpayment
€0
Original payoff
0 years
New payoff
0 years
Figures are illustrative. Actual savings depend on your lender's overpayment terms.
Quick Reference: Monthly Repayments at Current Irish Rates
Based on rates available September 2026, 30-year term.
| Loan Amount | Avant 3.10% | Haven 3.15% | AIB 3.25% | BOI 3.40% | PTSB 3.50% |
|---|---|---|---|---|---|
| €200,000 | €854/mo | €859/mo | €870/mo | €885/mo | €898/mo |
| €250,000 | €1,068/mo | €1,074/mo | €1,088/mo | €1,107/mo | €1,122/mo |
| €300,000 | €1,281/mo | €1,289/mo | €1,305/mo | €1,328/mo | €1,347/mo |
| €350,000 | €1,495/mo | €1,504/mo | €1,523/mo | €1,550/mo | €1,571/mo |
| €400,000 | €1,709/mo | €1,718/mo | €1,740/mo | €1,771/mo | €1,796/mo |
How Much Can You Borrow? (Central Bank Rules 2026)
First-Time Buyers
- • Borrow up to 4× gross annual income
- • Minimum deposit: 10% of purchase price
Second-Time Buyers
- • Borrow up to 3.5× gross annual income
- • Minimum deposit: 20% of purchase price
| Combined Income | FTB Max (4×) | STB Max (3.5×) |
|---|---|---|
| €50,000 | €200,000 | €175,000 |
| €70,000 | €280,000 | €245,000 |
| €90,000 | €360,000 | €315,000 |
| €110,000 | €440,000 | €385,000 |
| €130,000 | €520,000 | €455,000 |
Overpayment Impact: How Extra Payments Save You Money
Example: €300,000 mortgage at 3.25% over 30 years.
| Monthly Overpayment | Years Saved | Interest Saved |
|---|---|---|
| €0 (standard) | — | — |
| €100/mo extra | ~2.5 years | ~€18,000 |
| €250/mo extra | ~5.5 years | ~€38,000 |
| €500/mo extra | ~9 years | ~€60,000 |
All calculations are for illustrative purposes only. Actual repayments may differ based on your lender's terms, fees, and rate changes. Always confirm figures with your lender or a qualified mortgage broker.