What is the maximum loan-to-value ratio in Ireland?

For first-time buyers, the maximum LTV is typically 90%. For second and subsequent buyers, it's usually 80%.

What is the maximum mortgage term in Ireland?

The maximum mortgage term in Ireland is typically 35 years, though most lenders offer terms up to 30 years.

€360,000 Mortgage Repayments Ireland - €1,649 Monthly (2025)

Mortgage Calculator

Loan Amount

Term: 30 years

Interest Rate: 3.66%

€1,649

Monthly Payment

Rate Scenarios

Monthly Payments by Rate & Term

Rate	20 years	25 years	30 years
3%	€1,997	€1,707	€1,518
3.72%	€2,129	€1,845	€1,661
4.2%	€2,220	€1,940	€1,760

Up-front Costs

Up-front Cost Breakdown

Deposit (10%)€40,000

Stamp Duty€4,000

Legal Fees€2,500

Valuation€150

Registration€175

Total€46,825

Affordability Guide

You'll typically need

~€80,000 gross income

Based on 4x income multiple for €360,000 mortgage

Latest Irish Fixed Rates (January 2025)

AIB

3 Year Fixed (LTV >50–80%)

4.20%

Updated 2025-07-29

Bank of Ireland

4 Year EcoSaver Fixed (BER A)

3.10%

Updated 2025-06-10

Permanent TSB

4 Year Fixed (≤60% LTV)

3.00%

Updated 2025-01-15

Frequently Asked Questions

Mortgage Glossary

Want to see more?

Browse through our other calculators to see how much you'll take home after tax, or how much you'll need to save for retirement.

Rate Scenarios

Up-front Costs

What is the maximum loan-to-value ratio in Ireland?

What is the maximum mortgage term in Ireland?

Can I make overpayments on my mortgage?

How does mortgage switching work in Ireland?

What is the Help to Buy scheme?

How do stress tests work for mortgages?

LTV (Loan-to-Value)

BER (Building Energy Rating)

TRS (Tax Relief at Source)

ECB Rate

Stress Test

Want to see more?