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Mortgage top-up
Mortgage top-up vs personal loan in Ireland
A top-up and a personal loan can both provide additional borrowing, but the rate, term, security and total cost can be very different.
Page checked: 21 October 2026
What is different?
Mortgage top-upAdditional borrowing secured against the property, subject to lender criteria and available equity.
Personal loanUsually unsecured borrowing with its own rate, term and affordability assessment.
Don't compare the monthly payment alone
A longer mortgage term can make a top-up look cheaper per month while increasing the total interest paid. Compare the amount borrowed, rate, term, monthly payment and total cost.
Compare the full cost
Use the mortgage calculator for the secured borrowing scenario and compare it with the terms of any personal-loan quote you receive.
Use the mortgage calculator for the secured borrowing scenario and compare it with the terms of any personal-loan quote you receive.
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