Borrowing Calculators
Mortgage and personal loan repayments using current Irish lending rules.
Your mortgage
Annuity (capital + interest) repayment.
CBI stress test (+2%)
Show repayment at higher rate
Result
Loan amount
€315,000
LTV
90.0%
Monthly repayment
€1,504
At +2% (stress)
+€385/mo
€1,889
Total interest
€226,389
Total cost
€541,389
Max borrowing — Central Bank rules
4× gross income for first-time buyers, 3.5× otherwise.
Max loan (4×)
€240,000
Deposit at 90% LTV
€35,000
Deposit at 80% LTV
€70,000
Lenders may grant exceptions above LTI limits to a small share of borrowers. Affordability checks may cap you below these figures.
Buying your first home?
Check if you qualify for Help-to-Buy or the First Home Scheme — they can reduce the deposit you need.
CBI mortgage measuresFor general information only. Not financial, tax, or legal advice — always verify with Revenue.ie or a qualified tax advisor.