Mortgage Calculator Ireland — Calculate Your Monthly Payment
Free Irish mortgage calculator. Calculate monthly repayments for residential mortgages at current Central Bank rules and Irish lender rates.
The Irish mortgage market has specific rules set by the Central Bank including loan-to-income limits of 3.5x gross income and loan-to-value limits of 90% for first-time buyers and 80% for subsequent buyers. Current Irish mortgage rates range from 3.5-4.5% for fixed rates which are competitive by historical standards. Understanding these rules and rates helps you plan your property purchase budget.
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Mortgage Calculator
Key Information
| Parameter | Details |
|---|---|
| Average Fixed Rate (Ireland) | 3.5% - 4.5% |
| LTI Limit | 3.5x gross annual income |
| LTV (First-Time Buyers) | 90% (10% deposit minimum) |
| LTV (Non First-Time) | 80% (20% deposit minimum) |
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Use Calculator NowFrequently Asked Questions
How much can I borrow in Ireland?
The Central Bank limits borrowing to 3.5x gross annual income. On a €60000 salary: maximum mortgage = €210000. A couple earning €60000 + €40000 = €100000 can borrow up to €350000. Exceptions: up to 20% of new lending can exceed this limit at lender discretion for strong applicants.
What deposit do I need in Ireland?
First-time buyers: 10% minimum deposit. Subsequent buyers: 20% minimum. On a €350000 property: first-time buyer needs €35000 deposit. Non-first-time buyer needs €70000. The Help to Buy scheme provides up to €30000 for first-time buyers purchasing new-build homes.
Which Irish bank has the cheapest mortgage?
As of 2026 AIB and Bank of Ireland offer the most competitive rates at 3.5-3.8% for Green mortgages (energy-efficient homes). Standard rates are 3.8-4.2%. Avant Money and ICS Mortgages offer competitive fixed rates for specific terms. Always compare across at least 3 lenders and consider using a mortgage broker.
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Last updated: March 2026