Mortgage Calculator Ireland 2025
Estimate monthly repayments with Central Bank LTV rules and stamp duty.
The Irish mortgage market is regulated by the Central Bank of Ireland, which sets Loan-to-Value (LTV) limits that determine the minimum deposit required. First-time buyers can borrow up to 90% of the property value, requiring a minimum 10% deposit. Second and subsequent buyers face a stricter 80% LTV limit, requiring a 20% deposit. Stamp Duty is a significant additional cost in Irish property transactions: 1% on residential properties up to 1 million euros and 2% on the value above that threshold. This calculator includes Stamp Duty in the total cost of purchase, which many mortgage calculators omit — giving you a more accurate picture of the total cash needed to complete a property purchase in Ireland.
Mortgage: €315,000
Monthly Repayment
€1,504
LTV Ratio
90.0%
Stamp Duty
€3,500
⚠️ Illustrative only. Subject to Central Bank of Ireland LTV rules, lender income multiples (3.5× gross income), and credit assessment. Stamp duty rates as per Finance Act 2023.