Find out how much you could borrow.

Work out how much you can borrow, what your monthly repayments will look like, or how much you could save by switching in under a minute.

Try the Mortgage123 Calculators

Get a quick, honest idea of the numbers how much you can borrow, what the repayments will be, or whether you can switch and save.

First Time Buyers

Buying your first home? Start with your income we'll show you the mortgage, the house price, and the deposit.

Mortgage Repayments

Planning your budget? See exactly what a mortgage costs each month and how much of it is interest.

Switch & Save Calculator

Already have a mortgage? Check what a better rate is worth before you decide it isn't worth the hassle.

Find out what you can borrow today

Under Central Bank rules, first-time buyers can typically borrow up to 4 times their gross annual income. Slide to your income and watch the numbers update.

How much can I borrow?

Disclaimer

This calculator shows an indicative figure of what your repayments will be on a mortgage based on the amount and term entered. The results are estimates only and may differ slightly from some financial institutions, as the interest rate may be calculated in a slightly different way. For current cash back offers and rates, contact us for a quote. Lending criteria, terms and conditions apply.

What will the
repayments be?

Most people set their mortgage and forget it. Enter what you owe and what you pay now, then try a new rate switching takes weeks, and we handle the paperwork.

Mortgage Repayments

Disclaimer

The results are estimates only and may differ as financial institutions may calculate interest rates slightly differently. For current cash back offers and rates contact us for a quote. Lending criteria, terms and conditions apply.

Could you switch & save?

Most people set their mortgage and forget it. Enter what you owe and what you pay now, then try a new rate switching takes weeks, and we handle the paperwork.

Switch & save

Disclaimer

The amounts given in the results section are approximate figures based on 3.50% fixed interest rate over a 30 year mortgage term. This is aimed at giving you a rough estimate of how much you could possibly borrow and does not represent mortgage advice. For current cash back offers and rates, contact us for a quote. Lending criteria, terms and conditions apply.

Trusted by Irish families
across the country

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Seamus M profile picture
Seamus M
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The Mortgage 123 team & especially Zoe & Darragh were amazing, made the whole process, despite not being in country to do most of the paperwork, very smooth & clear to follow. Overall a 5 star experience!
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Cathal D profile picture
Cathal D
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Could not recommend Mortgage123 highly enough. They assisted us completely throughout our mortgage journey, in particular our advisors Derry and Julio.
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Iulia i profile picture
Iulia i
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We would highly recommend Therese Byrne. She was so helpful and supportive throughout the whole mortgage process. Always professional, friendly and quick to respond whenever we had questions. Thank you so much, Therese, for making the process so much easier for us!
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Colm M profile picture
Colm M
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I couldn’t recommend the Mortgage123 team enough! As a first-time buyer, Aisling and Lisa were there for me from day 1 to closing date. They were so supportive and re-assuring the whole way through. I had a fantastic experience with them and will always be grateful.
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Conor L profile picture
Conor L
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Lisa was incredibly supportive throughout the entire process. It was invaluable to have someone so organised and on the ball for us as first time buyers. Even when our purchasing journey took longer than expected, Lisa kept engaged and focused, and provided consistent communication throughout. I would highly recommend Mortgage123 as a broker to friends or family.
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Ronan K profile picture
Ronan K
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We received a great service from Kyle at Mortgage 123. He made the whole process as straightforward as possible and was very responsive any time we had a query or problem.
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Sandra S profile picture
Sandra S
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I highly recommend Mortgage123. Lisa and Aideen were incredibly professional, helpful, and supportive throughout the entire mortgage process. They made everything so straightforward and stress-free, always responding quickly and keeping us updated every step of the way. Thank you both for all your hard work and support. You made what could have been a very stressful process a really positive experience. We truly appreciate everything you did for us and would highly recommend you to anyone looking for a mortgage broker!
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Jordan P profile picture
Jordan P
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Needed information as we were trying to buy a house while living in the UAE before returning home to Ireland. Darragh was extremely knowledgable regarding the requirements needed for the Expat mortgage. He was able to guide us in the right direction and advised us on what specific documents were needed for our scenario before sending in our application. Once we got our Mortgage Approval in Principle, we then began working with Zoe. Both Zoe and Darragh were very helpful in following up with any issues that arose, regarding the particulars of our contract type and following up on money. Would definitely recommend to anybody looking to buy in Ireland from abroad who intends to buy before moving home.
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Jeremiah P profile picture
Jeremiah P
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We had an excellent experience with Kara Johnson and Aideen McBrearty throughout our mortgage application. From the initial stages through to completion, they were highly professional, responsive, and supportive. They were always quick to respond to our queries and, importantly, took the time to explain everything clearly whenever we had questions or needed clarification. Their patience, attention to detail, and willingness to help made the entire process much easier and gave us confidence at every stage. The process was handled efficiently and professionally, and we greatly appreciated the consistent communication and support throughout. We would highly recommend Kara and Aideen to anyone looking for knowledgeable, professional, and customer-focused mortgage advisors. Jeremiah & Rhema
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Kun g profile picture
Kun g
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I had a very positive experience with my broker Derry Griffin throughout the process of purchasing my house. He was highly professional, helpful, and extremely supportive from start to finish. He explained everything clearly, kept me informed at each stage, and were always available to answer my questions. Buying a house can be a stressful process, but his guidance and attention to detail made everything much easier and gave me great peace of mind. I really appreciate all the hard work in helping me complete my house purchase. I would happily recommend the services to anyone looking for a reliable and professional mortgage broker.

Take the next step at your own pace

Mortgage Guide 2026

Mortgage Guide

Get the information you need to start your journey to buying your dream home!

Mortgage Checklist

Mortgage Checklist

A list of the key documents you need when applying for your mortgage.

After AIP Guide

After AIP Guide

If you have Approval in Principle, this guide will help you with the next steps.

Questions people ask before they call

How accurate are these calculators?

First-time buyers need a minimum of 10% of the property price. Second-time buyers also need 10%. The Help to Buy scheme can contribute up to €30,000 towards a new-build deposit if you qualify — ask us and we'll check for you.

First-time buyers need a minimum of 10% of the property price. Second-time buyers also need 10%. The Help to Buy scheme can contribute up to €30,000 towards a new-build deposit if you qualify — ask us and we'll check for you.

First-time buyers need a minimum of 10% of the property price. Second-time buyers also need 10%. The Help to Buy scheme can contribute up to €30,000 towards a new-build deposit if you qualify — ask us and we'll check for you.

First-time buyers need a minimum of 10% of the property price. Second-time buyers also need 10%. The Help to Buy scheme can contribute up to €30,000 towards a new-build deposit if you qualify — ask us and we'll check for you.

First-time buyers need a minimum of 10% of the property price. Second-time buyers also need 10%. The Help to Buy scheme can contribute up to €30,000 towards a new-build deposit if you qualify — ask us and we'll check for you.

First-time buyers need a minimum of 10% of the property price. Second-time buyers also need 10%. The Help to Buy scheme can contribute up to €30,000 towards a new-build deposit if you qualify — ask us and we'll check for you.

Ready for real numbers?

A qualified advisor will confirm exactly what you can borrow and find your best rate across every Irish lender free, no obligation.