Ireland Mortgage Calculator
Calculate Irish home loan repayments. Includes fixed, variable, and green-rate comparisons with Central Bank LTV / LTI rules.
Loan Details
Results
Monthly Payment
€1,641
Principal
€350,000
Total Interest
€240,698
Total Paid
€590,698
Irish mortgage rates — 2026 landscape
The main lenders (AIB, Bank of Ireland, PTSB, Avant Money, ICS Mortgages) offer 3-year and 5-year fixed between 3.5%-4.2%. Green fixed rates (BER A/B certified properties) shave 10-40bps. Variables sit at 4.0-4.5%. ECB deposit rate ~2.75% is the ultimate floor — switcher activity has pushed margins down since 2024.
Central Bank LTV and LTI rules
Central Bank of Ireland macroprudential rules: first-time buyers max 90% LTV and 4× income; second/subsequent buyers 80% LTV and 3.5× income (or 90% LTV with a bank exemption); BTL max 70% LTV. Each bank gets a small allocation of exemption slots each year — first-come, first-served during Q1-Q2 is the norm.
Help to Buy (HTB) — up to €30,000 refund
First-time buyers of new-build homes up to €500,000 get an income tax refund of up to 10% of the price or €30,000 (whichever is lower). Claim through Revenue MyAccount after signing contracts. Essentially turns the 10% deposit into 0% cash for many FTBs who have been paying income tax over the preceding four years.
Stamp duty on homes
Residential stamp duty: 1% up to €1 million, 2% thereafter. From May 2024: single buyers acquiring 10+ houses in any 12-month window pay 15% (anti-hoover rule aimed at institutional investors; apartments usually exempt). Buy-side closing costs also include legal fees (€2-3k) + Local Property Tax proration + bank valuation (~€150-185).
Frequently Asked Questions
Everything you need to know, in one place.
What are current Irish mortgage rates?
2026 rates: AIB, BOI, PTSB, Avant — fixed 3-5 years 3.5-4.2%, variable 4.0-4.5%. Green rates (BER A/B) shave 10-40bps. ECB deposit rate ~2.75% sets the floor; margins have tightened as mortgage switchers shop around.
What are the Central Bank LTV / LTI limits?
First-time buyers: 90% LTV, 4× income. Second/subsequent buyers: 80% LTV (or 90% with exemption), 3.5× income. Buy-to-let: 70% LTV. Banks get a small annual allocation of exemptions above these caps.
What is Help to Buy (HTB)?
An income-tax refund up to 10% of property price or €30,000 (whichever is lower), for first-time buyers of new-build homes up to €500,000. Claimed through Revenue after signing contracts — reduces the cash needed for a 10% deposit.
Stamp duty on homes?
Residential property: 1% up to €1 million, 2% thereafter. A new 15% rate applies when a single buyer purchases 10+ houses in one year (anti-institutional-hoover rule). Apartments and self-build are usually exempt from the 10-bulk rule.
Can I switch my mortgage to save money?
Yes — switching is increasingly popular. Most Irish lenders offer €1,500-€5,000 cashback to attract switchers (AIB, PTSB, Avant, Bank of Ireland). Typical savings: 0.3%-0.8% rate reduction, worth €2,000-€6,000/year on a €300k loan. Costs: legal fees €1,500-€2,500, valuation €150-€250, admin. Break funding fees apply on fixed-rate loans if rates have fallen since you fixed — can wipe out savings. Switcher mortgage protection and home insurance are NOT required to move (common misconception).
What is green mortgage eligibility?
Homes with Building Energy Rating (BER) of A or B qualify for "green" rate discounts of 10-40 basis points at most Irish lenders. Newer new-build homes almost always qualify; older properties may need retrofit (insulation, heat pump, solar) to reach B2+. Get a BER assessment (€150-€300) before applying — many buyers unknowingly meet the threshold. Sustainable Energy Authority of Ireland (SEAI) grants up to €25,000 for retrofits; combine with green mortgage to stack savings.
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