Mortgage switch calculator Ireland: compare monthly savings
Estimate how a lower mortgage rate could change your monthly payment and how long it could take to recover switching costs.
Page checked: 21 October 2026
Compare mortgage switching rates
Enter your current lender and mortgage details to compare published products from other lenders. Your current lender is excluded from the results.
Enter your details to compare available published rate snapshots.
Indicative comparison only. Products, rates and LTV bands can change; some listed rates may have older effective dates or additional eligibility conditions. A lender decides whether to approve a switch and what rate it will offer. Monthly figures assume the displayed rate remains unchanged for the full remaining term and exclude fees, cashback and insurance.
What to enter
The calculator above uses your outstanding balance, estimated property value and remaining term to compare published products from other lenders. It does not need your current interest rate because it compares destination-lender repayments rather than claiming to calculate your personal savings.
What the result tells you
The monthly payment difference is only the first step. A break-even calculation shows how many months of saving are needed to recover switching costs. A longer remaining term can make the total interest difference larger, while a short remaining term can make the break-even period more important.
Run the existing and proposed rate scenarios, then compare the payment and total interest.
Sources & assumptions
Central Bank mortgage-measure limits and Revenue stamp-duty rules can change. Check the official sources before relying on an estimate.
Central Bank mortgage measures · Central Bank retail interest rates