Mortgage details
Enter your figures or pick a rate from the comparison tab.
We'll use the best matching published rate for your LTV and loan amount.
The damage
Illustrative repayment using the selected rate.
Monthly repayment€0
Mortgage amount€0
LTV0%
Total repayments€0
Total interest€0
Using 3.49% — current Central Bank average for new Irish mortgage agreements.
Current Irish mortgage rates
A starter comparison using published lender rates. When the mortgage calculator is set to Automatic, it selects the lowest matching rate for your LTV and loan size.
Checked
23 Aug 2026
23 Aug 2026
| Lender | Rate | Type | Term | Max LTV | Notes | Est. monthly* |
|---|
Automatic selection: the calculator uses LTV and loan amount to find the lowest matching rate in the current product snapshot. If no product matches, it falls back to the Central Bank market average.
Illustrative product snapshot, not an automated feed. Avant Money's published page currently shows 3.20% for a 4-year high-value fixed product at ≤60% LTV and €300k+; EBS currently publishes 3.85% for a 1-year fixed rate and 4.15% variable. Product eligibility and rates can change.
Illustrative product snapshot, not an automated feed. Avant Money's published page currently shows 3.20% for a 4-year high-value fixed product at ≤60% LTV and €300k+; EBS currently publishes 3.85% for a 1-year fixed rate and 4.15% variable. Product eligibility and rates can change.
Important: A lower headline rate is not automatically the cheapest mortgage. APRC, fees, cashback, BER, LTV, fixed period and follow-on rate can change the overall cost. We'll make the comparison smarter before launch.
Can I afford it?
Indicative Central Bank lending-limit calculation, not an approval.
Your estimate
Indicative borrowing limit€0
Combined income€0
LTI multiplier—
Deposit rule—
Standard principal-home limits are 4× gross income for first-time buyers and 3.5× for second/subsequent buyers, with a 10% minimum deposit. Lenders also apply their own affordability assessment and limited allowances exist above the limits.
Reduce the damage
See how a monthly overpayment could change the term and interest.
Overpayment result
Estimated interest saved€0
Normal payment€0
Payment with overpayment€0
Normal term—
New estimated term—
Check your mortgage terms before making overpayments, especially during a fixed-rate period.