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.
- Instant estimate no credit check
- Based on current Irish lender rules
- Talk to an advisor to confirm your figures
- Fully free, no obligation
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.
First Time Buyer Calculator
Estimate how much you may be able to borrow and the property price you could afford.
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.
Mortgage calculator
Mortgage Repayments
Estimate your monthly mortgage repayment and the total cost of your loan.
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.
- We check your loan offer for breakage fees first
- Many lenders offer cashback for legal fees
- We manage the whole move, start to finish
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.
Remortgage Calculator
Compare your current mortgage with a new deal and estimate how your monthly repayments and overall costs could change.
Trusted by Irish families
across the country

Sarah & Ciarán M.
Dublin, First-Time Buyers
"The team at Mortgage123 made the whole process so easy. We were first-time buyers with no idea where to start they walked us through everything and got us a great rate."

Patrick K.
Cork, Mortgage Switch
"The team at Mortgage123 made the whole process so easy. We were first-time buyers with no idea where to start they walked us through everything and got us a great rate."

Sarah & Ciarán M.
Dublin, First-Time Buyers
"The team at Mortgage123 made the whole process so easy. We were first-time buyers with no idea where to start they walked us through everything and got us a great rate."
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BhaskarTrustindex verifies that the original source of the review is Google.
A heartfelt thank you to Kara and Mary, both were incredibly kind, patient, professional and supportive throughout. They went above and beyond, always making time for our questions and guiding us through every step with genuine care. We will always be grateful for their support. Thank you both from the bottom of our hearts. You are a credit to Mortgage123.![]()
Brian GTrustindex verifies that the original source of the review is Google.
Great service from the team (Darragh and Zoe). Made the whole process so easy especially when purchasing from abroad![]()
Cinju VTrustindex verifies that the original source of the review is Google.
I had a great experience working with Kyle throughout my mortgage process. They were extremely helpful, professional, and supportive from start to finish. They took the time to explain everything clearly, answered all my questions, and kept me updated at every stage. The whole process was made much easier and less stressful thanks to their knowledge, patience, and dedication. I really appreciate all their help and would highly recommend them to anyone looking for mortgage assistance. Thank you for all your support!![]()
Sabrina CTrustindex verifies that the original source of the review is Google.
I am so grateful to Darragh and Zoe for all their hard work in making my dream of being a homeowner come to life. I really didnt think I could do it but the time they put in to helping me prepare in advance of applying really helped make the process smoother. Thanks for everything.![]()
Cathal DTrustindex verifies that the original source of the review is Google.
Darragh and Zoe were amazing to deal with! I live overseas and was buying our first property in Ireland! The mortgage approval was tricky however they were both very helpful throughout the whole process!! Thank you![]()
Waqar ATrustindex verifies that the original source of the review is Google.
Dealing with Mortgage 123 in getting the mortgage was the best decission. They were really great, highly recomend.![]()
Seamus MTrustindex verifies that the original source of the review is Google.
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!![]()
Cathal DTrustindex verifies that the original source of the review is Google.
Could not recommend Mortgage123 highly enough. They assisted us completely throughout our mortgage journey, in particular our advisors Derry and Julio.
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
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.
How much deposit do I need in Ireland?
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.
What are the Central Bank lending rules?
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.
Is switching my mortgage really worth the hassle?
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.
Do you charge fees?
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.
The calculator says I can't borrow enough. Is that final?
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.