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Mortgage Payment Calculator

Our mortgage calculator is an invaluable tool for anyone considering buying a home, offering a quick and detailed description of what you can expect in terms of monthly payments, interest costs, and overall loan duration.

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How Much Can You Borrow for a Mortgage?

When determining how much you can borrow for a mortgage, our online calculator helps you estimate potential loan amounts based on personal financial details like income and employment status. Our calculator is designed for various buyer types, including first-time and second-time buyers. 

It’s important to note that the maximum mortgage you can borrow is influenced by your circumstances and the term of the mortgage, generally up to 35 years. For a precise assessment tailored to your situation, consulting directly with our adviser is recommended. To know more, please click the button below.

How Much Can I Borrow?

What Mortgage Can You Afford?

Our Mortgage Repayment Calculator in Ireland helps determine how much you can afford for a mortgage. It allows you to simulate various scenarios by adjusting the loan amount, interest rate, and repayment period to see how these factors influence your monthly repayments. This helps tailor your mortgage plan according to your financial situation and needs.

Additionally, you can explore other options that offer cashback benefits of up to 3% of the new mortgage amount. For more details on our competitive interest rates and APR calculations, feel free to request further information.

Mortgage Repayment Calculator

Why Use Our Mortgage Payment Calculator?

Our mortgage calculator in Ireland offers a variety of benefits to users looking to deal with the complexities of purchasing a home or refinancing an existing mortgage. Here are the detailed reasons why using our mortgage calculator is advantageous:

Financial Planning and Affordability Assessment

  • Our calculator aids in determining how much you can comfortably afford to borrow by allowing you to adjust the mortgage amount, interest rate, and term.
  • It provides a clear picture of potential monthly payments, helping you to plan your budget effectively and avoid overextending financially.

Comparative Analysis of Mortgage Options

  • It enables you to compare various mortgage scenarios and configurations side by side.
  • This feature is particularly useful for identifying the most cost-effective options, potentially saving you thousands over the life of the loan. 

Detailed Interest Calculations

  • Our tool breaks down the amount of interest you will pay over the life of the mortgage.
  • Understanding these figures can influence critical decisions, such as whether to make extra payments to reduce the loan principal faster or opt for a shorter loan duration to minimise total interest paid.

Access to Competitive Mortgage Rates

  • Our calculator displays the latest and most competitive mortgage rates from a variety of lenders.
  • It searches leading mortgage lenders to bring you the lowest rates available, ensuring you are getting the best deal possible.

Long-Term Financial Analysis

  • Allows for an extensive evaluation of the long-term financial implications of different mortgage products.
  • You can analyse how different mortgage choices stack up against each other over various time horizons, such as five, ten, or fifteen years, based on your personal criteria and preferences.
  • This long-term perspective helps you make an informed decision that aligns with your future financial goals and stability.


The Best Mortgage Rates in IrelandAvailable Today!

We are dedicated to ensuring that you secure the most competitive mortgage deal in the market. Our partnership with top lenders guarantees a lifetime experience backed by expert advice that fits your financial goals.

Remember, rates are accurate as of Friday, April 26
These rates are subject to change upon mortgage drawdown.

Variable Rate


Enjoy the flexibility of Ireland’s best variable mortgage rate today!

Fixed Rate


Stabilise your budget with Ireland’s best fixed mortgage rate today!

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30 Years

Plan long-term with Ireland’s longest fixed-term mortgage option today!

Frequently Asked Questions

How Reliable Are Your Online Mortgage Calculators?

Our mortgage calculators are designed to provide a close estimate of your monthly mortgage payments based on the inputs you provide, such as the loan amount, interest rate, and loan term. While these tools are generally accurate for the data entered, their precision is contingent upon the constancy of the variables involved. 

For instance, fluctuations in interest rates, property taxes, and homeowners insurance are not generally accounted for in basic mortgage calculators. Therefore, while they offer valuable guidance, the actual payment amount may vary slightly, and it’s advisable to consult with our financial adviser or lender for detailed and personalised mortgage advice.

What Is the Mechanism Behind Your Mortgage Calculators?

Our calculators operate by applying a mathematical formula that uses various inputs provided by the user—your name, phone number, principal loan amount, interest rate, and the duration of the loan. Feeding this information into our calculator outputs the monthly repayment amount, allowing prospective homeowners to gauge affordability and plan their finances accordingly. 

It’s important to note that while our mortgage calculators provide a good baseline for understanding mortgage costs, they do not include expenses such as property taxes, homeowner’s insurance, and, in some cases, private mortgage insurance (PMI), which could affect the final monthly payment.

Is There a Cost Associated with Using Your Mortgage Calculators?

No! Our mortgage calculators are available online, free to use, and easily accessible. They are typically offered by our financial institutions, mortgage lenders, and personal finance websites as a resource to help users estimate their potential mortgage payments. These tools are intended to assist consumers in making informed decisions about their mortgage options by providing a straightforward way to calculate monthly payments without any cost. While free, users should ensure they are using calculators from reputable sources to guarantee the accuracy of the information.

What Can Our Mortgage Calculator Reveal About My Borrowing Limits?

Some of our mortgage calculators provide functionalities beyond simple monthly payment estimates, including projections of how much you might be able to borrow. These calculators consider factors such as your income, existing debts, and other financial obligations to give an estimate of the loan amount you could qualify for. 

However, these are still basic estimates and should be viewed as preliminary figures. For a definitive evaluation of your borrowing capacity, it is advisable to consult directly with our mortgage broker or lender, who can consider your complete financial situation and offer tailored advice and information on suitable mortgage products.

Can Your Mortgage Calculators Accommodate Various Mortgage Options?

Yes, our mortgage calculators are versatile tools that can adapt to various types of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), and interest-only mortgages. These calculators allow potential borrowers to input different scenarios based on the type of mortgage they are considering. 

However, due to the complexities involved with some adjustable-rate or interest-only mortgages—where rates may change over time—some of our calculators might provide more basic outputs unless they are specifically designed to handle these variations. For more complex mortgage calculations, specialised calculators or professional financial advice may be necessary. Contact us today!