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 HMRC rates and thresholds for the 2025/26 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 accountant or tax adviser before making financial decisions. Read our terms
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