Our Mortgage Tools

Whether you are a first-time buyer or moving to a new property, these tools will help you understand the costs involved and plan your budget with confidence.

Mortgage Calculator

Work out how much you can borrow based on your salary, deposit, and interest rate. Includes a breakdown of monthly repayments and total interest paid.

Stamp Duty Calculator

Calculate how much stamp duty you will pay on your property purchase. Covers residential and non-residential rates, new builds, and exemptions.

How to Use Our Mortgage Tools

Getting a clear picture of your finances is the first step towards buying a home. Here is how our tools fit into the buying process:

  1. Calculate your borrowing capacity — Use the mortgage calculator to see how much you can borrow based on the Central Bank's 3.5x income rule. First-time buyers can borrow up to 90% of the property value.
  2. Factor in stamp duty — Use the stamp duty calculator to add this cost to your budget. Residential stamp duty is 1% on the first €1 million and 2% on any amount above that.
  3. Check government schemes — You may qualify for the Help to Buy Scheme (up to €30,000 tax rebate) or other mortgage schemes that can boost your deposit.

Need Help Setting Up Your New Home?

Moving house? Our experts at Selectra can set up your energy, broadband, and utilities in one free call — saving you time and money.

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This is a free call from Ireland. Selectra agents can assist you with comparing and switching energy providers on weekdays between 9 am and 5.30 pm.

Frequently Asked Questions About Mortgage Calculators

Most Irish lenders will offer up to 3.5 times your gross annual income. First-time buyers need a minimum deposit of 10%, while second-time buyers need 20%. Use our mortgage calculator for a personalised estimate.
Residential stamp duty in Ireland is 1% on the first €1 million and 2% on any amount above that. New builds may attract slightly lower stamp duty because VAT is excluded from the calculation. Use our stamp duty calculator for an exact figure.
Yes. You should also budget for solicitor fees (€1,500–€3,000 plus VAT), a property survey, mortgage protection insurance, and home insurance. Our buying guides cover these in detail.

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