MoneyWhizz
Mortgage Calculator
Calculate your monthly repayments, affordability, and total cost of borrowing — all in one place.
Loan Details
€
€
LTV: 90% — 10% deposit
yrs
%
Interest Only
Show interest-only repayments
📊 Your Estimated Repayments
Monthly Repayment
€1,480
Fixed Rate
Loan Amount
€315,000
LTV 90%
Total Cost
€532,800
Interest: €217,800
📈 Balance Over Time
Principal Remaining
Amount Repaid
First-time buyer? Central Bank rules allow FTBs to borrow up to 4× gross income, with a minimum 10% deposit. A Green Mortgage rate may apply if your home has a BER rating of B3 or above.
This calculator is for illustration purposes only and does not constitute a loan offer or financial advice. Rates and figures are estimates. Always consult a qualified financial advisor. MoneyWhizz is not a lender.
Your Income
€
€
Monthly Outgoings
€
Mortgage Details
€
%
💡 Your Affordability Estimate
Max You Could Borrow
€360,000
Based on 4× income
Max Property Value
€400,000
Loan + Deposit
Est. Monthly Cost
€1,129
Capital & Interest
Debt-to-Income Ratio
Comfortable
Caution >30%
High Risk >45%
Central Bank lending rules (Ireland): First-time buyers can borrow up to 4× gross income. Second-time movers are capped at 3.5×. A 10% deposit is required for FTBs on properties up to €500k, rising to 20% for second-time buyers.
Affordability estimates are indicative only and subject to full credit assessment. Lenders will carry out full underwriting due diligence including assessment of family circumstances, dependants, and childcare costs, which may reduce the amount you can borrow. Typically, other loan committments can and will reduce the overall amount mortgage lenders can approve based on the applicant(s) overall affordability. This calculator has been constructed to demonstrate the potential impact but each lender will operate their own assessment creiteria in advance of final approval. This is not a mortgage approval or offer. MoneyWhizz is not a regulated lending institution.
Your Current Mortgage
€
%
yrs
€
New Rate Available
%
€
💰 Switching Summary
Monthly Saving
€0
per month
Total Saving
€0
over remaining term
New Monthly
€0
Was: €0
LTV Check: Enter your details above to see your loan-to-value assessment.
Savings are illustrative and do not account for break fees, legal costs, or valuation fees. Seek independent financial advice before switching lenders.
