Mortgage approval: from AIP to drawdown
Understand approval in principle, lender checks, valuation, your Letter of Offer and getting your mortgage drawn down.
Read the guide →Plan your numbers
Mortgages & money
Get a clearer picture of your deposit, borrowing and monthly repayments. Our tools are for guidance and don't replace a lender's assessment or mortgage advice.
Helpful guides
Understand your mortgage
Start with the guides, then use the calculators below to explore your own figures.
Buying your first home
Follow the full homebuying journey and understand where mortgage approval fits in.
Read the guide →Help to Buy
Learn about the scheme and check the current Revenue rules.
Read the guide →Buying costs
Plan for the other costs you'll need to pay along the way.
Read the guide →Free interactive tool
Irish mortgage calculator
Estimate your monthly mortgage repayment, check the standard deposit requirement and see how your interest rate and mortgage term affect the cost.
1. Property and deposit
If left blank, the calculator subtracts your deposit and assistance from the purchase price.
2. Mortgage details
The income guide uses the standard Central Bank loan-to-income limits. Lenders may apply exceptions and their own affordability checks.
Estimated monthly mortgage repayment
€—Mortgage amount
€—
Deposit including assistance
—
Loan-to-value (LTV)
—
Total interest over term
€—
This is an estimate of principal and interest repayments only. It excludes mortgage protection/life insurance, home insurance, property tax, utilities, fees and other household costs. It assumes the interest rate stays unchanged for the full term and does not account for fees or rate changes.
Irish standard deposit rules shown: 10% for first-time buyers and second/subsequent buyers, and 30% for buy-to-let buyers. These are regulatory limits, not a guarantee of mortgage approval. Some lender allowances and exemptions may apply. Check the Central Bank of Ireland rules.
Free interactive tool
Home purchase cash planner
Enter your own estimates to organise the other costs involved in buying a home. This is not a mortgage approval or affordability assessment.
Illustrative price less deposit (not a lender quote)
€315,000Cash / funds entered including your other estimates
€48,000Stamp duty and legal costs are user-entered estimates. Ask your solicitor and tax adviser to confirm the correct figures for your circumstances.