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Mortgage Payment Calculator
Our mortgage calculator helps you understand how much your mortgage will cost each month, so you can plan your budget and see how changes - like a bigger deposit or shorter loan term - could save you money over time.
Irish Mortgage Calculator
This is an estimate of the position based on the information inputted. All figures rounded to the nearest Euro. Other factors can also influence an individual’s tax position, it is recommended that personal tax advice be sought. No responsibility is taken by Irish Tax Hub for any loss, however occasioned, to any person by reliance on this calculator.
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FAQs
Frequently Asked Questions
Everything you need to know about Irish mortgage repayments
How much will my monthly mortgage repayments be in Ireland?
You can quickly estimate your monthly mortgage repayments using the calculator by entering your mortgage amount, interest rate, and term—ideal for borrowers planning in Ireland.
What is the formula used in a mortgage payment calculator?
Our tool uses the standard fixed-rate mortgage amortization formula to calculate equal monthly payments based on loan principal, interest, and loan term.
How does the mortgage repayment calculator account for different interest rates?
Simply input your loan’s interest rate, and the calculator estimates monthly repayments. You can compare scenarios using different interest rates to see the impact on monthly costs.
Can mortgage-related fees, like insurance or valuation, be included?
Yes. These can be included in the 'Additional Monthly Property' Costs section.
What factors affect mortgage affordability in Ireland?
Repayments are influenced by loan amount, interest rate, term length, and your monthly income. Use the calculator to test how each impacts affordability before applying.
Can I estimate affordability using this mortgage calculator?
Yes — by comparing your estimated monthly mortgage payments against your monthly income and expenses, you can gauge whether the loan is affordable—and plan accordingly.
How accurate is the repayment estimate from the mortgage calculator?
Results are illustrative and based on your inputs. Actual repayments may vary depending on lender-specific terms, APRC, or rate changes over the loan term.
Can I see the impact of changing my mortgage term?
Absolutely — adjusting the loan term changes monthly repayments and total interest paid. Shorter terms raise payments but save significant interest over time.
Can I include both first-time buyer and remortgage calculations?
Yes. Whether you're a first-time buyer or looking to remortgage, our repayment calculator applies to both scenarios and helps you compare your options.
How can I use this tool to choose between fixed and variable rate mortgages?
Enter scenarios with both fixed and variable interest rates to see how repayments differ. This helps you evaluate which mortgage type fits your budget and risk tolerance.