{
  "title": "Mortgage repayments: illustrative loan and rate dataset",
  "description": "Compare 27 modelled monthly repayments and total interest amounts for €200,000–€400,000 loans, assumed rates of 3%–5% and terms of 20–30 years.",
  "path": "/datasets/mortgage-repayment-examples/",
  "authoredOn": "2026-10-08",
  "updatedOn": "2026-10-08",
  "fingerprint": "ccc293af5baf34d8cf924889635038ee463a2c3a6ca8821ce3ea0ce49261fa4f",
  "ruleUpdates": [],
  "provenance": "Count.ie model-generated public examples; not visitor data or official statistics.",
  "assumptions": [
    "Capital-and-interest repayments monthly throughout the full term. Each assumed interest rate stays unchanged for the whole loan.",
    "No fees, overpayments, payment breaks or later rate changes. Mathematical precision is retained internally; displayed amounts are rounded to cents.",
    "Scenarios use an 80% loan-to-value purchase, first-time owner-occupier buyer and €100,000 annual household income solely to populate the existing model."
  ],
  "limitations": [
    "The 3%, 4% and 5% rates are hypothetical comparison inputs, not lender quotes, market averages or offers.",
    "These are repayment illustrations, not a lending decision or evidence that a mortgage is available or affordable.",
    "Actual lenders may use different interest conventions and cashflow rounding. Insurance and purchase costs are separate.",
    "The calculator's cited Central Bank source checks concern lending measures, not a lender's approval of these repayment figures."
  ],
  "method": "Monthly capital-and-interest amortisation is recalculated when the interest rate changes. Overpayments reduce the remaining balance.",
  "fixedInputs": [
    {
      "key": "income",
      "label": "Gross household annual income (€)",
      "value": 100000,
      "display": "100000"
    },
    {
      "key": "buyer",
      "label": "Buyer type",
      "value": "first-time",
      "display": "First-time owner occupier"
    },
    {
      "key": "overpayment",
      "label": "Monthly overpayment (€)",
      "value": 0,
      "display": "0"
    },
    {
      "key": "roundCashflows",
      "label": "Round each repayment cashflow to cents (lender-style schedule)",
      "value": false,
      "display": "No"
    },
    {
      "key": "rateChanges",
      "label": "Future interest changes",
      "value": "",
      "display": "None"
    }
  ],
  "columns": [
    {
      "key": "principal",
      "label": "Loan amount",
      "unit": "EUR",
      "from": "output"
    },
    {
      "key": "annualRate",
      "label": "Assumed annual rate",
      "unit": "%",
      "from": "input"
    },
    {
      "key": "years",
      "label": "Term",
      "unit": "years",
      "from": "input"
    },
    {
      "key": "monthlyPayment",
      "label": "Monthly repayment",
      "unit": "EUR/month",
      "from": "output"
    },
    {
      "key": "totalInterest",
      "label": "Total interest",
      "unit": "EUR",
      "from": "output"
    },
    {
      "key": "totalRepayment",
      "label": "Total repaid",
      "unit": "EUR",
      "from": "output"
    }
  ],
  "sourceReview": {
    "checkedOn": "2026-10-06",
    "scope": "Baseline rules year: 2026. Reviewed scope: Central Bank standard purchase LTI: 4× first-time buyers and 3.5× subsequent buyers; LTV: 90% owner occupiers and 70% buy-to-let. Eligibility and lender allowances require confirmation.. This does not verify every selectable year, date or Budget announcement profile.",
    "sources": [
      {
        "label": "Central Bank mortgage measures",
        "url": "https://www.centralbank.ie/financial-system/financial-stability/macro-prudential-policy/mortgage-measures"
      }
    ]
  },
  "rows": [
    {
      "id": "loan-200000-rate-3-term-20",
      "inputs": {
        "price": 250000,
        "deposit": 50000,
        "annualRate": 3,
        "years": 20,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        200000,
        3,
        20,
        1109.2,
        66206.85,
        266206.85
      ]
    },
    {
      "id": "loan-200000-rate-3-term-25",
      "inputs": {
        "price": 250000,
        "deposit": 50000,
        "annualRate": 3,
        "years": 25,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        200000,
        3,
        25,
        948.42,
        84526.79,
        284526.79
      ]
    },
    {
      "id": "loan-200000-rate-3-term-30",
      "inputs": {
        "price": 250000,
        "deposit": 50000,
        "annualRate": 3,
        "years": 30,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        200000,
        3,
        30,
        843.21,
        103554.9,
        303554.9
      ]
    },
    {
      "id": "loan-200000-rate-4-term-20",
      "inputs": {
        "price": 250000,
        "deposit": 50000,
        "annualRate": 4,
        "years": 20,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        200000,
        4,
        20,
        1211.96,
        90870.56,
        290870.56
      ]
    },
    {
      "id": "loan-200000-rate-4-term-25",
      "inputs": {
        "price": 250000,
        "deposit": 50000,
        "annualRate": 4,
        "years": 25,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        200000,
        4,
        25,
        1055.67,
        116702.1,
        316702.1
      ]
    },
    {
      "id": "loan-200000-rate-4-term-30",
      "inputs": {
        "price": 250000,
        "deposit": 50000,
        "annualRate": 4,
        "years": 30,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        200000,
        4,
        30,
        954.83,
        143739.01,
        343739.01
      ]
    },
    {
      "id": "loan-200000-rate-5-term-20",
      "inputs": {
        "price": 250000,
        "deposit": 50000,
        "annualRate": 5,
        "years": 20,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        200000,
        5,
        20,
        1319.91,
        116778.75,
        316778.75
      ]
    },
    {
      "id": "loan-200000-rate-5-term-25",
      "inputs": {
        "price": 250000,
        "deposit": 50000,
        "annualRate": 5,
        "years": 25,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        200000,
        5,
        25,
        1169.18,
        150754.02,
        350754.02
      ]
    },
    {
      "id": "loan-200000-rate-5-term-30",
      "inputs": {
        "price": 250000,
        "deposit": 50000,
        "annualRate": 5,
        "years": 30,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        200000,
        5,
        30,
        1073.64,
        186511.57,
        386511.57
      ]
    },
    {
      "id": "loan-300000-rate-3-term-20",
      "inputs": {
        "price": 375000,
        "deposit": 75000,
        "annualRate": 3,
        "years": 20,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        300000,
        3,
        20,
        1663.79,
        99310.27,
        399310.27
      ]
    },
    {
      "id": "loan-300000-rate-3-term-25",
      "inputs": {
        "price": 375000,
        "deposit": 75000,
        "annualRate": 3,
        "years": 25,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        300000,
        3,
        25,
        1422.63,
        126790.18,
        426790.18
      ]
    },
    {
      "id": "loan-300000-rate-3-term-30",
      "inputs": {
        "price": 375000,
        "deposit": 75000,
        "annualRate": 3,
        "years": 30,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        300000,
        3,
        30,
        1264.81,
        155332.36,
        455332.36
      ]
    },
    {
      "id": "loan-300000-rate-4-term-20",
      "inputs": {
        "price": 375000,
        "deposit": 75000,
        "annualRate": 4,
        "years": 20,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        300000,
        4,
        20,
        1817.94,
        136305.84,
        436305.84
      ]
    },
    {
      "id": "loan-300000-rate-4-term-25",
      "inputs": {
        "price": 375000,
        "deposit": 75000,
        "annualRate": 4,
        "years": 25,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        300000,
        4,
        25,
        1583.51,
        175053.16,
        475053.16
      ]
    },
    {
      "id": "loan-300000-rate-4-term-30",
      "inputs": {
        "price": 375000,
        "deposit": 75000,
        "annualRate": 4,
        "years": 30,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        300000,
        4,
        30,
        1432.25,
        215608.52,
        515608.52
      ]
    },
    {
      "id": "loan-300000-rate-5-term-20",
      "inputs": {
        "price": 375000,
        "deposit": 75000,
        "annualRate": 5,
        "years": 20,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        300000,
        5,
        20,
        1979.87,
        175168.13,
        475168.13
      ]
    },
    {
      "id": "loan-300000-rate-5-term-25",
      "inputs": {
        "price": 375000,
        "deposit": 75000,
        "annualRate": 5,
        "years": 25,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        300000,
        5,
        25,
        1753.77,
        226131.04,
        526131.04
      ]
    },
    {
      "id": "loan-300000-rate-5-term-30",
      "inputs": {
        "price": 375000,
        "deposit": 75000,
        "annualRate": 5,
        "years": 30,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        300000,
        5,
        30,
        1610.46,
        279767.35,
        579767.35
      ]
    },
    {
      "id": "loan-400000-rate-3-term-20",
      "inputs": {
        "price": 500000,
        "deposit": 100000,
        "annualRate": 3,
        "years": 20,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        400000,
        3,
        20,
        2218.39,
        132413.69,
        532413.69
      ]
    },
    {
      "id": "loan-400000-rate-3-term-25",
      "inputs": {
        "price": 500000,
        "deposit": 100000,
        "annualRate": 3,
        "years": 25,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        400000,
        3,
        25,
        1896.85,
        169053.58,
        569053.58
      ]
    },
    {
      "id": "loan-400000-rate-3-term-30",
      "inputs": {
        "price": 500000,
        "deposit": 100000,
        "annualRate": 3,
        "years": 30,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        400000,
        3,
        30,
        1686.42,
        207109.81,
        607109.81
      ]
    },
    {
      "id": "loan-400000-rate-4-term-20",
      "inputs": {
        "price": 500000,
        "deposit": 100000,
        "annualRate": 4,
        "years": 20,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        400000,
        4,
        20,
        2423.92,
        181741.12,
        581741.12
      ]
    },
    {
      "id": "loan-400000-rate-4-term-25",
      "inputs": {
        "price": 500000,
        "deposit": 100000,
        "annualRate": 4,
        "years": 25,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        400000,
        4,
        25,
        2111.35,
        233404.21,
        633404.21
      ]
    },
    {
      "id": "loan-400000-rate-4-term-30",
      "inputs": {
        "price": 500000,
        "deposit": 100000,
        "annualRate": 4,
        "years": 30,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        400000,
        4,
        30,
        1909.66,
        287478.03,
        687478.03
      ]
    },
    {
      "id": "loan-400000-rate-5-term-20",
      "inputs": {
        "price": 500000,
        "deposit": 100000,
        "annualRate": 5,
        "years": 20,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        400000,
        5,
        20,
        2639.82,
        233557.51,
        633557.51
      ]
    },
    {
      "id": "loan-400000-rate-5-term-25",
      "inputs": {
        "price": 500000,
        "deposit": 100000,
        "annualRate": 5,
        "years": 25,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        400000,
        5,
        25,
        2338.36,
        301508.05,
        701508.05
      ]
    },
    {
      "id": "loan-400000-rate-5-term-30",
      "inputs": {
        "price": 500000,
        "deposit": 100000,
        "annualRate": 5,
        "years": 30,
        "income": 100000,
        "buyer": "first-time",
        "overpayment": 0,
        "roundCashflows": false,
        "rateChanges": ""
      },
      "cells": [
        400000,
        5,
        30,
        2147.29,
        373023.14,
        773023.14
      ]
    }
  ]
}