A clear and easy journey from quote to approval, whether you're a first-time buyer, moving home, switching for a better rate, or building.
Use our mortgage calculator to compare lenders and repayment options based on your situation.
Apply through our secure mortgage portal and upload your supporting documents in one place.
We guide you from approval through to loan offer and final drawdown with the lender.
Whether you’re buying your first home, moving, or switching for a better rate, the calculator helps you start with the right figures. Choose the option that best matches your situation and start the mortgage calculator below.
See what your repayments could look like if you move to a better rate.
Get clear starting figures for deposit, repayments and affordability.
Estimate repayments for your next property and plan the step up.
Review your options if you’re refinancing or restructuring your loan.
Start with practical figures that support staged drawdowns and budgeting.
Book a quick appointment and we’ll help confirm the right route and next steps.
Mortgages come with a lot of terminology. These are the most common terms you’ll see when using our calculator or reviewing lender options.
The Annual Percentage Rate of Charge (APRC) shows the overall cost of a mortgage over its full term. It includes the initial interest rate, lender fees, and assumes you stay on the same product if you don’t switch.
This allows you to compare mortgage options more fairly, even if headline rates look similar.
Loan to Value compares how much you’re borrowing against the value of the property. For example, borrowing €255,000 on a €300,000 property gives an LTV of 85%.
Your LTV affects the rates available to you, with lower LTVs typically unlocking better pricing.
Stamp duty is a tax paid when ownership of a property is transferred. It’s calculated as a percentage of the purchase price and becomes payable when legal ownership changes.
Stamp duty is separate from your deposit and mortgage and should be factored into your overall budget.
An Approval in Principle is a lender confirmation of how much you may be able to borrow, based on initial financial checks.
It’s usually free, typically valid for 6–12 months, and allows you to begin viewing and bidding on properties.
There are several government-backed supports available to help first-time buyers bridge the gap to home ownership.
The Help to Buy scheme provides a tax refund to assist with your deposit when purchasing or building a new home. The refund is based on income tax and DIRT paid over the previous four years.
The First Home Scheme supports eligible first-time buyers by bridging the funding gap between mortgage, deposit and the purchase price of a new home.
In some cases, lenders may approve borrowing outside standard limits. These are assessed individually and depend on affordability and overall financial position.
Borrowing limits depend on your income, employment type, existing commitments and Central Bank rules. Our mortgage calculator gives an initial estimate, with exact figures confirmed during application.
Deposit requirements depend on whether you’re a first-time buyer or moving home. First-time buyers generally need a lower deposit, while movers may need more depending on equity.
Timelines vary, but most applications move from Approval in Principle to full approval within a few weeks, assuming documents are submitted promptly.
Many homeowners can switch to a better rate once their fixed term ends. Switching can reduce monthly repayments or shorten the loan term.
Mortgage protection is generally required by lenders and helps clear the mortgage if the borrower dies during the term, subject to policy conditions.
Common documents include proof of income, bank statements, ID, savings history and property details. Our secure mortgage portal allows you to upload everything in one place.
Schedule a consultation today with our expert financial advisors and enjoy the benefits of a well-planned financial future.
