Mortgage guides for Ireland
Plain-English guides and calculators covering borrowing, repayments, affordability, overpayments, switching and buying your first home.
Content reviewed: 19 September 2026
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Browse by topic, or start with a calculator and follow the related guides from there. All figures are illustrative and mortgage rules, rates and lender criteria can change.
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A quick route into the calculators and the main questions buyers and homeowners tend to have.
Understand mortgage affordability in Ireland, including Central Bank income and deposit limits, monthly budgeting, stress testing and buying costs.
How much can you borrow for a mortgage in Ireland? Understand 4x and 3.5x income limits, deposits, lender criteria and realistic borrowing ranges.
How the 10% deposit rule works, what happens to your cash after buying costs, and why the deposit isn't the whole story.
A practical way to estimate an affordable property price from income, deposit and monthly commitments.
Borrowing & affordability
Understand how income, deposit, monthly costs and lender assessment affect borrowing.
How much could you borrow in Ireland based on gross income? Understand the Central Bank limits, lender affordability and salary examples.
Indicative Irish mortgage borrowing examples for €50k to €100k salaries.
See how a change in the mortgage rate can affect the monthly repayment.
Mortgage by salary
Worked examples for different gross salary levels. These are illustrations, not lender offers.
Indicative borrowing examples for a €40,000 gross salary, with important lender-affordability caveats.
Indicative mortgage borrowing limits for a €50,000 gross income in Ireland and factors that can affect actual approval.
Indicative mortgage borrowing limits for a €60,000 gross income in Ireland and factors that can affect actual approval.
Indicative mortgage borrowing limits for a €70,000 gross income in Ireland and factors that can affect actual approval.
Indicative mortgage borrowing limits for a €80,000 gross income in Ireland and factors that can affect actual approval.
Indicative mortgage borrowing limits for a €90,000 gross income in Ireland and factors that can affect actual approval.
Indicative mortgage borrowing limits for a €100,000 gross income in Ireland and factors that can affect actual approval.
Indicative borrowing examples for a €120,000 gross salary and the difference between first-time and subsequent buyers.
Mortgage repayments
Compare mortgage sizes, terms and rate changes to understand monthly cost and total interest.
Understand mortgage repayments for common loan sizes, how term and interest rate affect the payment, and why the total interest matters.
Indicative repayment examples for a €100,000 mortgage across common terms and rates.
See how an Irish mortgage of €200,000 could translate into monthly repayments at different illustrative rates and terms.
Indicative repayment examples for a €250,000 mortgage across common terms and rates.
See how an Irish mortgage of €300,000 could translate into monthly repayments at different illustrative rates and terms.
See how an Irish mortgage of €400,000 could translate into monthly repayments at different illustrative rates and terms.
See how an Irish mortgage of €500,000 could translate into monthly repayments at different illustrative rates and terms.
A simple way to see why a seemingly small rate change can make a big difference over a long mortgage.
First-time buyers & costs
Plan your deposit, buying costs and realistic affordability before you buy.
A practical Irish first-time buyer guide covering borrowing limits, deposit, buying costs, affordability and mortgage planning.
A guide to using income, deposit and buying costs to estimate a realistic first-time-buyer budget.
A guide to the costs around buying a home beyond the deposit.
Existing mortgage holders
Explore switching, top-ups and ways to plan for becoming mortgage-free sooner.
Practical guides for Irish homeowners with an existing mortgage: switching, top-ups, overpayments and mortgage-free planning.
A practical Irish mortgage switching guide covering LTV, rates, breakage charges, legal costs, cashback, the switching process and how to compare the full saving.
Estimate the potential monthly saving and break-even point when moving to a lower mortgage rate.
What a mortgage top-up is, what it can cost, and why the extra borrowing needs to be treated carefully.
What to consider before trying to clear your mortgage ahead of schedule.
Estimate how extra monthly payments could change the date your mortgage is paid off.
Overpayments
See how extra payments can affect interest and the time left on a mortgage.
Learn how extra monthly or lump-sum mortgage payments can reduce interest and shorten the term, and what to check with your lender.
Compare an extra monthly payment and see the illustrative effect on mortgage interest and payoff time.
Can you overpay a fixed-rate mortgage in Ireland? Learn about overpayment limits, possible charges, lump sums, monthly overpayments and what to ask your lender.
Should you make a lump-sum mortgage overpayment in Ireland? Learn about lender rules, charges, capital reductions, term changes and cash buffers.
Should you overpay your mortgage in Ireland? Compare monthly and lump-sum overpayments, fixed-rate limits, cash buffers, other debts and savings.
A plain-English framework for deciding whether spare cash is better used to reduce a mortgage or kept in savings.
Mortgage rates
Get a clearer view of fixed and variable rates and rate-change scenarios.
Important note
This site provides general information and illustrative calculations, not personalised financial advice or a mortgage offer. Confirm current rules, rates, fees and eligibility with the relevant lender and official Irish sources.
How the calculations work
See the mortgage calculator methodology and sources for the assumptions behind the site.
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