Chapter 1 of 10 · Before you start · Mortgage calculator

Mortgage calculator

How much can I borrow, and what will it cost a month?

Checked 21 Oct 2026the Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Housing Loan Requirements) Regulations, as amended by S.I. 141/2026.

Enter what you earn and what you have saved. The tool works out the most the Central Bank rules let a lender lend you, the highest price that reaches, the repayment each month and the stamp duty. Help to Buy and the First Home Scheme are folded in where they apply.

You

Who is buying, and what do you earn?

Who is buying

A first-time buyer has never owned a home, here or abroad. Buying again means you have. Buy-to-let is a home you will rent out.

Your income (a year)Your basic pay before tax, for the year. Leave out overtime and bonus; they go in their own box.Add a second incomeBuying with someone else? Add their income too.Regular overtime or bonus (a year)Optional. Pay that is not fixed, such as overtime or a yearly bonus. Lenders count only part of it.Deposit (savings plus gifts)The cash you can put towards the home now, including any gift from family.Price you have in mind (optional)Leave it blank to see the highest price the rules allow.

The home and the loan

Is it new, and what rate and term?

It is a new buildBought from a builder or developer, or a self-build. A first-time buyer may get Help to Buy on a new home.Use the First Home SchemeThe State takes a share of a new home so you can pay more than your mortgage and deposit reach. Each county has a price ceiling.Interest rate (%)The yearly rate the lender charges. The figure shown is a typical fixed rate from the rates table; change it to the rate you were quoted.Term (years)How many years you take to pay the loan back. Most lenders go to 35 years, within an age limit at the end.

This is the most the Central Bank rules allow. A lender applies its own tests on top and may lend less. It is not an offer.

Who is buying, and what do you earn?

Is it new, and what rate and term?

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