Mortgage calculator · Ireland · 2026
What a mortgage will really cost you each month
Enter the amount, rate and term to see your monthly repayments and the total interest. Then check how much you could borrow under the Central Bank rules. Free, and nothing is stored.
Monthly repayments
Irish mortgage rates are typically around 3.5%–4% in 2026. Adjust to your lender's rate.
Monthly repayment
€1,363.94
over 30 years at 3.60%
A longer term lowers the monthly payment but raises the total interest. A lower rate cuts both.
Capital-and-interest repayment estimate. Your lender's APRC, fees and rate type (fixed or variable) will affect the real figure.
How much can you borrow?
You could borrow up to
€200,000
at 4× combined income
A guide based on Central Bank limits. Lenders also test affordability against your outgoings, so your actual offer may be lower.
Central Bank rules: first-time buyers up to 4× income; movers 3.5×; 10% deposit. Limited exemptions apply.
How Irish mortgages work, in short
Two limits shape what you can buy. The loan-to-income rule caps borrowing at four times gross income for first-time buyers (3.5 times for others). The deposit rule requires at least 10% of the price. Within those, your monthly repayment depends on the rate and the term you choose.
Rate, term and the total cost
A longer term lowers the monthly payment but means you pay far more interest overall. A lower rate cuts both. It's worth modelling a few combinations above before you talk to a lender or broker — and checking your take-home pay so the repayment fits your real monthly budget.