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🇮🇪 Ireland Mortgage Calculator
Educational euro estimates. The starter rate is illustrative — not a live bank quote and not a promise of approval.
Real-time updatesShare-ready outputsMobile friendly
At-a-glance
Monthly€1,628
Payoff year2051
Interest share35.5%
Mortgage details
Tweak sliders€50k€1M
Illustrative 3.0–4.5% APR — educational starter, not a live bank quote
1%10%
5 years40 years
Your mortgage snapshot
Live updatesMonthly payment
€1,628
Principal + interest only
Total interest
€173,429
35.5% of everything you would pay
Total paid
€488,429
Principal plus all interest over the term
Payment Breakdown
Principal
Interest
Principal: €315,000Interest: €173,429
Irish stamp duty
Ireland usually charges stamp duty on a property purchase. The amount depends on price, buyer type, and whether the home is residential. This calculator does not add stamp duty to the monthly payment — treat any figure from a lender or solicitor as the one that counts.
Revenue stamp duty guidance💡 About Irish Mortgages
Guidance only- • Most Irish mortgages are offered with terms between 20-30 years.
- • Fixed rates are typically offered for 2-5 year periods. The rate on this page is an educational starter, not a live quote.
- • Variable rates can move with ECB decisions. We do not fetch bank rates.
- • First-time buyers may qualify for Help to Buy — check official Revenue guidance.
- • Irish stamp duty usually applies on purchase. This page does not calculate it. See Revenue stamp duty guidance.
- • This calculator uses a standard amortization formula and should be used for estimation purposes only.