Ireland · Property & Mortgage
Buying, selling, or letting a home in Ireland involves a stack of moving parts — mortgage rules set by the Central Bank, stamp duty, Local Property Tax, Help-to-Buy, and the ongoing cost of running a property. The calculators in this hub work through each one so you can see the all-in numbers before signing anything. Start with the mortgage affordability calculator to find what the Central Bank's loan-to-income and loan-to-value rules let you borrow, then layer on stamp duty and Help-to-Buy to model the cash you actually need at closing.
Mortgage Repayment
Calculate monthly mortgage repayments for any term and interest rate
Mortgage Affordability
How much can you borrow based on your salary and Irish lending rules
Stamp Duty
Calculate stamp duty on residential and non-residential Irish property
Rental Yield
Calculate gross and net rental yield on an investment property
Buy vs Rent
Compare the long-term financial cost of buying versus renting
Mortgage Overpayment
See how extra mortgage payments reduce your interest and term
Land Registry Fees
Calculate Property Registration Authority (PRA) fees
Help-to-Buy (HTB)
An Irish tax-relief scheme refunding up to €30,000 of income tax and DIRT paid in the prior four years toward a new-build home deposit for first-time buyers.
Loan-to-Income (LTI)
The ratio of a mortgage loan to the borrower's gross annual income — the Central Bank caps this at 4× for most Irish buyers.
Loan-to-Value (LTV)
The ratio of a mortgage loan to the property's value, expressed as a percentage — the headline metric for how much equity a buyer has and what rate they can get.
Local Property Tax (LPT)
An annual self-assessed tax on residential property in Ireland, charged on the property's market value with local authority adjustments.
Mortgage Stress Test
The Central Bank requirement that lenders assess affordability at an interest rate at least 2 percentage points above the offer rate before approving a mortgage.