Mortgage calculator
Estimate your mortgage in under a minute.
Monthly repayment, deposit, loan amount and upfront costs — with no contact details required.
Assumptions
- A first, ready home with a conventional loan.
- The deposit starts at the Central Bank minimum for the selected category (lenders may ask for more).
- The rate is an editable example, not a quote. Non-resident terms are lender-specific.
- A level payment over the full term, unless you add a fixed period and follow-on rate.
How it’s calculated
- Monthly payment = loan × r ÷ (1 − (1 + r)^−n), where r is the annual rate ÷ 12 and n is the number of months.
- After a fixed period, the remaining balance is repaid over the remaining term at the follow-on rate.
- Upfront costs add the down payment to the government fees we can estimate; lender fees and some service fees are shown as “To confirm”.
No. It’s an illustration to help you plan. Lenders set rates, fees and approval.
Central Bank limits set a minimum deposit for each category. The calculator stops at that minimum.
It’s a starting point so you see a figure immediately. Change it to any rate you want to test.
Let’s make your next property decision clearer.
Tell us what you’re planning. An advisor will help you understand the next step.