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.

€490,000 Mortgage Repayments Ireland - €2,244 Monthly (2025)

Mortgage Calculator

Loan Amount

Term: 30 years

Interest Rate: 3.66%

€2,244

Monthly Payment

Rate Scenarios

Monthly Payments by Rate & Term

Rate	20 years	25 years	30 years
3%	€2,718	€2,324	€2,066
3.72%	€2,898	€2,511	€2,261
4.2%	€3,021	€2,641	€2,396

Up-front Costs

Up-front Cost Breakdown

Deposit (10%)€54,444

Stamp Duty€5,444

Legal Fees€2,500

Valuation€150

Registration€175

Total€62,714

Affordability Guide

You'll typically need

~€108,889 gross income

Based on 4x income multiple for €490,000 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

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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

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