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Monthly Payment
€1,369.25
Total Interest
€212,930.00
LTV Ratio
80.0%
Loan
€280,000.00
Within non-FTB limit (80%)
What are the Central Bank LTV limits?
First-time buyers (FTBs) can borrow up to 90% of the property value (10% deposit). Non-first-time buyers need at least a 20% deposit (80% LTV). Buy-to-let investors also need 30% deposit (70% LTV).
What is a good interest rate in Ireland?
Irish mortgage rates vary between about 3.5% and 5% depending on the lender, your LTV, and whether you choose fixed or variable. Green mortgages (for energy-efficient homes) often get the lowest rates.
Can I get Help to Buy as a first-time buyer?
Yes. The Help to Buy scheme gives first-time buyers a tax rebate of up to 10% of the purchase price (max 30,000 euro) on new-build homes valued up to 500,000 euro. This is a big help toward your deposit.
Central Bank-Aligned: Uses current Irish LTV macro-prudential rules. Rates change regularly.
Disclaimer: This calculator provides estimates based on current Revenue Commissioners rates and thresholds for the 2026 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified tax adviser before making financial decisions. Read our terms
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