Mortgage details
Enter your figures. We’ll use an indicative average rate unless you choose a manual rate.
The damage
Illustrative repayment using the selected rate.
Central Bank weighted average for new Irish mortgage agreements. Individual mortgage rates may be higher or lower.
The numbers in one place
Use this as a scenario report rather than a mortgage offer. Change the rate, term or deposit above and recalculate to refresh it.
Same mortgage, different rates
| Scenario | Rate | Monthly | Interest* |
|---|---|---|---|
| Selected | 3.53% | €0 | €0 |
| +1% | 4.53% | €0 | €0 |
| +2% | 5.53% | €0 | €0 |
*Assumes the selected rate stays unchanged for the full term. This is a comparison scenario, not a forecast.
What different bank rates would cost you
Indicative comparisons using your mortgage figures. Filter the published lender snapshots by product type. Rates may have different effective dates and product eligibility rules; click through to each lender before relying on a figure. The list is not a recommendation or a ranking of lenders.
How much could you afford?
A quick indicative estimate based on your income, cash available and the current mortgage limits.
Reduce the damage
Choose how you want to overpay and see the impact on your mortgage.
How Check The Damage works
Indicative, not an offer
Our calculators are designed to give you a quick estimate. A lender may offer more or less after its own affordability and credit assessment.
Mortgage limits
For standard principal-home mortgages, current Central Bank measures use income and loan-to-value limits. First-time buyers are generally subject to 4× gross income and 90% LTV; second/subsequent buyers 3.5× and 90% LTV. Buy-to-let is 70% LTV.
Buying costs
Our affordability calculator estimates stamp duty and legal fees and deducts them from the cash you say you have available. Other purchase costs may also apply.
Rates
The headline repayment uses the Central Bank of Ireland weighted average for new Irish mortgage agreements: 3.53% for August 2026. See the official retail interest-rate statistics. Bank snapshots underneath show how published lender rates could change the monthly cost.
Explore mortgage guides by question
For a deposit example, see how much cash a €400,000 house may require. If you are estimating borrowing from income, read the €100,000 salary mortgage example. Existing borrowers can compare mortgage overpayment scenarios or learn about mortgage top-ups.
Explore mortgage guides by question
For a deposit example, see how much cash a €400,000 house may require. If you are estimating borrowing from income, read the €100,000 salary mortgage example. Existing borrowers can compare mortgage overpayment scenarios or learn about mortgage top-ups.
A mortgage calculator is most useful when you use it to test scenarios rather than treat one result as an approval.
Start with your real deposit
Enter the cash you actually expect to use for the purchase, then remember that stamp duty, legal work, valuation and other buying costs also need to be funded.
Try more than one interest rate
A repayment based on one rate can give a false sense of certainty. Compare a few rates so you can see how sensitive the monthly payment is to changes in borrowing costs.
Compare the whole cost
A lower monthly repayment is not automatically cheaper if the mortgage lasts longer. Look at total repayments and total interest as well as the monthly figure.
Maximum is not the same as affordable
Central Bank mortgage measures set borrowing limits, while lenders apply their own affordability and credit policies. A sensible budget should leave room for normal living costs and unexpected expenses.
For current mortgage limits, see the Central Bank of Ireland. For budgeting guidance, see the CCPC.
More ways to check the damage
Tools and plain-English guides for different stages of the Irish mortgage journey — without cluttering the main calculator.
Useful stuff without the jargon
Straightforward guides to the questions people actually ask when buying or paying off a mortgage in Ireland.
How the calculations work
See the mortgage calculator methodology and sources for the assumptions behind the site.
Start with a number, then test it
A mortgage calculator is most useful when you treat the result as a starting point rather than an approval.
What these estimates cannot tell you
The calculator cannot see a lender's internal affordability model, credit assessment, product eligibility or underwriting decision. It also cannot know your exact legal, insurance, maintenance or household costs.
That is why Check The Damage separates mathematical calculations from Irish lending rules and lender decisions. Read the methodology and assumptions →
Built around Irish sources
Mortgage-measure information is checked against the Central Bank of Ireland; property-tax information is checked against Revenue; practical consumer guidance is checked against the CCPC. Time-sensitive rate snapshots are dated.
About the project · Sources & assumptions · Browse all mortgage guides