Mortgage Guide Hub Reviewed 11 August 2026

Mortgage Calculator Ireland Guide & Home Buying Hub

A practical Irish mortgage hub for repayments, affordability, borrowing limits, approval in principle, deposits, LTV, examples and buyer supports.

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What are you trying to plan?

Choose the mortgage decision closest to your question and jump to the relevant guides.

Mortgage guides by decision

22 mortgage and home-buying guides

Work through the stage that matches your current decision instead of reading the full mortgage library in one list.

Repayments and rates

Understand monthly repayments, total interest, rate choices and repayment schedules.

Repayment planning Mortgage Calculator Ireland Guide Start here if you know the price, deposit, term and rate and want to understand the repayment estimate. Repayment formula Mortgage Repayment Calculator Ireland Guide Understand how loan amount, rate and term turn into monthly repayment, interest and balance reduction. Repayment schedule Mortgage Repayment Schedule Explained Read an amortisation schedule and see how the principal, interest and outstanding balance change. Interest rates Mortgage Rates and Repayments Compare rate scenarios, APRC and the effect of a fixed period ending. Rate choice Fixed vs Variable Mortgage Compare certainty, flexibility, break fees and the questions to ask before choosing a rate type. Worked examples Mortgage Repayment Examples Ireland Readable repayment tables for common mortgage sizes, rates and terms, with warnings about assumptions.

Borrowing and approval

Estimate a realistic budget and prepare for lender assessment and approval in principle.

Affordability Mortgage Affordability Calculator Ireland Guide Use this when your real question is what budget may be realistic before viewing homes. Borrowing range How Much Can I Borrow for a Mortgage? Plain-English Irish borrowing examples using income, deposit, LTI, LTV and lender checks. Salary examples Mortgage by Salary Examples See single and joint salary scenarios without treating an income multiple as lender approval. Income limits Mortgage Income Multiple Ireland Understand the Central Bank LTI limits, allowances and how joint income is assessed. Self-employed Self-Employed Mortgage Ireland Prepare accounts, tax records, bank statements and sustainable-income evidence for an application. Application Mortgage Approval in Principle Ireland AIP meaning, documents, validity, lender checks and what still has to happen before drawdown.

Deposits and buying costs

Plan the deposit, LTV, closing costs and buyer supports before making an offer.

Deposit and LTV Mortgage Deposit and LTV Ireland Deposit planning, LTV examples, Help to Buy, First Home Scheme and buyer cash buffer checks. Buying costs Total Cost of Buying a Home Budget for Stamp Duty, legal work, valuation, survey, insurance and post-purchase costs. Buyer supports Help to Buy vs First Home Scheme Compare tax-refund support with shared equity while keeping each scheme’s role clear.

Managing a mortgage

Review overpayments, arrears, mortgage protection and switching decisions.

Overpayments Mortgage Overpayments Ireland Test regular extra payments and lump sums, then check lender restrictions before acting. Money decision Overpay the Mortgage or Save? Compare guaranteed interest avoided with savings return, liquidity and emergency-fund needs. Mortgage arrears Missed Mortgage Payment Ireland Take the right first steps and understand arrears, MARP, the SFS and independent support. Protection cover Mortgage Protection Insurance Understand the normal requirement, statutory exceptions, exclusions, assignment and switching. Switching Mortgage Switching Repayment Guide Compare an outstanding balance at current and alternative rates without ignoring fees and term changes.

Specialist mortgage routes

Open the route-specific guide for buy-to-let or Local Authority borrowing.

Buy-to-let Buy-to-Let Mortgage Repayments Stress-test deposit, repayments, rental cash flow, tax and landlord obligations. Local Authority loan Local Authority Home Loan Calculator Use the official calculator and understand 2026 income, deposit, rate and application rules.

How to use this mortgage hub

This hub is organised around the decisions an Irish buyer normally makes before and during a mortgage application. The calculators give quick estimates. The guides explain what the estimates mean, where the Irish rules sit, and where personal lender assessment can change the result.

The safest order is simple: estimate borrowing range, check deposit and buying costs, test monthly repayment, then prepare for approval in principle. First-time buyers should also check whether Help to Buy or the First Home Scheme changes the funding picture.

The Irish mortgage planning stack

  1. Check gross income and regular outgoings before thinking about the asking price.
  2. Estimate borrowing power using the Central Bank loan-to-income and loan-to-value limits as a planning ceiling, not a guarantee.
  3. Protect your cash buffer by separating deposit money from Stamp Duty, legal fees, valuation, survey, insurance and moving costs.
  4. Use repayment examples to test whether the monthly cost still works after bills, childcare, travel and savings.
  5. For qualifying first-time buyer new homes, check Help to Buy and the First Home Scheme separately because they have their own eligibility rules.
Tools

Related calculators

Open a calculator when you are ready to estimate your own numbers.

View all calculators
Mortgage Repayment Monthly payments Mortgage Affordability Borrowing and deposit Stamp Duty Buying tax estimate Help to Buy First-time buyer support First Home Scheme Shared-equity support Savings Goal Deposit planning
Official help

Official information and support

Use these official routes for lending limits, applications, consumer guidance and switching checks.

Central Bank mortgage measuresOfficial loan-to-income and loan-to-value framework. CCPC: applying for a mortgageIndependent application, document and lender-check guidance. CCPC first-time buyer guideA practical official buying-a-home route from budgeting to closing. Citizens Information: mortgagesPublic information on taking out and managing an Irish mortgage. Central Bank: mortgage switchingOfficial consumer guidance for comparing and changing mortgage providers.

Frequently asked questions

Is this hub only for first-time buyers?

No. It is written for first-time buyers, movers and switchers. Some supports, such as Help to Buy and First Home Scheme, apply only where the scheme rules are met.

Should I start with repayment or affordability?

Start with affordability if you do not know your realistic budget. Start with repayment if you already know the mortgage amount, rate and term you want to test.

Do the calculators replace lender approval?

No. They are planning tools. Lender approval depends on documents, credit history, repayment capacity, property checks and lender policy.

Why are Stamp Duty and schemes included in a mortgage hub?

Because the mortgage is only one part of the buying budget. Stamp Duty, deposit supports and shared-equity schemes can change the cash needed at purchase.

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