Connected guide
Buying a home
Connect your deposit, Irish mortgage limits, repayments, stamp duty and ownership budget. Revise any earlier step to update the downstream budget. Your figures stay in this page’s memory, not in storage or the address.
Held in memory only
Every step shares one set of inputs. Change an earlier step and every figure below recalculates. Nothing is saved, and refreshing the page clears it.
Your results
Upfront Cash€77,200.00
Connect your deposit, Irish mortgage limits, repayments, stamp duty and ownership budget.
Monthly Ownership Costs€1,570.09
Rules checked for 2026 on 2026-10-06. Scope: Standard Central Bank purchase LTI/LTV limits; residential stamp-duty bands.
Tax year applied: 2026
- Central Bank limits are standard purchase limits, not a loan approval. Lender affordability, allowances and specific exemptions require separate assessment.
- Buy-to-let has no Central Bank LTI limit. Switchers, arrears arrangements, negative equity, lifetime loans and qualifying bridging loans have distinct exemptions.
Calculated outcomes
- Purchase Price
- €350,000.00
- Deposit
- €70,000.00
- Principal
- €280,000.00
- Chargeable Consideration
- €350,000.00
- Stamp Duty
- €3,500.00
- Transaction Fees
- €3,700.00
- Estimated monthly repayment
- €1,336.76
- Annual Owner Costs
- €2,800.00
- First Year Recurring Costs
- €18,841.12
- Total Interest
- €201,235.49
- Total Repayment
- €481,235.49
- Loan To Value Percent
- 80%
- Loan To Income Ratio
- 3.5×
- Max Standard Loan
- €315,000.00
- Minimum Deposit
- €35,000.00
- Limit Assessment
- Central Bank limits are standard purchase limits, not a loan approval. Lender affordability, allowances and specific exemptions require separate assessment.
Included costs
- Deposit, standard residential stamp duty and entered transaction fees in upfront cash
- Mortgage repayments, insurance, maintenance, property tax and management fees in recurring costs
Excluded costs
- Lending approval, exemptions and special stamp-duty transactions
- Utilities, renovations, property appreciation and changing interest rates
- Mortgage protection unless included in the entered insurance allowance
Amount in euro. Negative values extend below the zero line.
| Item | Amount (EUR) |
|---|---|
| Principal | €280,000.00 |
| Interest | €201,235.49 |
Closing balance in euro. Negative values extend below the zero line.
| Year | Closing balance (EUR) |
|---|---|
| 1 | €275,069.14 |
| 3 | €264,596.54 |
| 5 | €253,253.22 |
| 7 | €240,966.82 |
| 9 | €227,658.84 |
| 11 | €213,244.40 |
| 13 | €197,631.49 |
| 15 | €180,720.50 |
| 17 | €162,403.46 |
| 19 | €142,563.49 |
| 21 | €121,074.01 |
| 23 | €97,797.82 |
| 25 | €72,586.36 |
| 27 | €45,278.76 |
| 29 | €15,700.72 |
| 30 | €0.00 |
Yearly Schedule · 30 rows
| Year | Opening Balance | Payment | Principal Paid | Interest Paid | Closing Balance |
|---|---|---|---|---|---|
| 1 | €280,000.00 | €16,041.12 | €4,930.86 | €11,110.26 | €275,069.14 |
| 2 | €275,069.14 | €16,041.12 | €5,131.77 | €10,909.35 | €269,937.37 |
| 3 | €269,937.37 | €16,041.12 | €5,340.83 | €10,700.29 | €264,596.54 |
| 4 | €264,596.54 | €16,041.12 | €5,558.43 | €10,482.69 | €259,038.11 |
| 5 | €259,038.11 | €16,041.12 | €5,784.89 | €10,256.23 | €253,253.22 |
| 6 | €253,253.22 | €16,041.12 | €6,020.56 | €10,020.56 | €247,232.66 |
| 7 | €247,232.66 | €16,041.12 | €6,265.84 | €9,775.28 | €240,966.82 |
| 8 | €240,966.82 | €16,041.12 | €6,521.15 | €9,519.97 | €234,445.67 |
| 9 | €234,445.67 | €16,041.12 | €6,786.83 | €9,254.29 | €227,658.84 |
| 10 | €227,658.84 | €16,041.12 | €7,063.33 | €8,977.79 | €220,595.51 |
| 11 | €220,595.51 | €16,041.12 | €7,351.11 | €8,690.01 | €213,244.40 |
| 12 | €213,244.40 | €16,041.12 | €7,650.61 | €8,390.51 | €205,593.79 |
| 13 | €205,593.79 | €16,041.12 | €7,962.30 | €8,078.82 | €197,631.49 |
| 14 | €197,631.49 | €16,041.12 | €8,286.69 | €7,754.43 | €189,344.80 |
| 15 | €189,344.80 | €16,041.12 | €8,624.30 | €7,416.82 | €180,720.50 |
| 16 | €180,720.50 | €16,041.12 | €8,975.69 | €7,065.43 | €171,744.81 |
| 17 | €171,744.81 | €16,041.12 | €9,341.35 | €6,699.77 | €162,403.46 |
| 18 | €162,403.46 | €16,041.12 | €9,721.95 | €6,319.17 | €152,681.51 |
| 19 | €152,681.51 | €16,041.12 | €10,118.02 | €5,923.10 | €142,563.49 |
| 20 | €142,563.49 | €16,041.12 | €10,530.22 | €5,510.90 | €132,033.27 |
| 21 | €132,033.27 | €16,041.12 | €10,959.26 | €5,081.86 | €121,074.01 |
| 22 | €121,074.01 | €16,041.12 | €11,405.75 | €4,635.37 | €109,668.26 |
| 23 | €109,668.26 | €16,041.12 | €11,870.44 | €4,170.68 | €97,797.82 |
| 24 | €97,797.82 | €16,041.12 | €12,354.08 | €3,687.04 | €85,443.74 |
| 25 | €85,443.74 | €16,041.12 | €12,857.38 | €3,183.74 | €72,586.36 |
| 26 | €72,586.36 | €16,041.12 | €13,381.21 | €2,659.91 | €59,205.15 |
| 27 | €59,205.15 | €16,041.12 | €13,926.39 | €2,114.73 | €45,278.76 |
| 28 | €45,278.76 | €16,041.12 | €14,493.77 | €1,547.35 | €30,784.99 |
| 29 | €30,784.99 | €16,041.12 | €15,084.27 | €956.85 | €15,700.72 |
| 30 | €15,700.72 | €16,043.01 | €15,700.72 | €342.29 | €0.00 |
Monthly Schedule · 360 rows
| Month | Year | Annual Rate | Opening Balance | Scheduled Payment | Overpayment | Payment | Principal Paid | Interest Paid | Closing Balance |
|---|---|---|---|---|---|---|---|---|---|
| 1 | 1 | 4 | €280,000.00 | €1,336.76 | €0.00 | €1,336.76 | €403.43 | €933.33 | €279,596.57 |
| 2 | 1 | 4 | €279,596.57 | €1,336.76 | €0.00 | €1,336.76 | €404.77 | €931.99 | €279,191.80 |
| 3 | 1 | 4 | €279,191.80 | €1,336.76 | €0.00 | €1,336.76 | €406.12 | €930.64 | €278,785.68 |
| 4 | 1 | 4 | €278,785.68 | €1,336.76 | €0.00 | €1,336.76 | €407.47 | €929.29 | €278,378.21 |
| 5 | 1 | 4 | €278,378.21 | €1,336.76 | €0.00 | €1,336.76 | €408.83 | €927.93 | €277,969.38 |
| 6 | 1 | 4 | €277,969.38 | €1,336.76 | €0.00 | €1,336.76 | €410.20 | €926.56 | €277,559.18 |
| 7 | 1 | 4 | €277,559.18 | €1,336.76 | €0.00 | €1,336.76 | €411.56 | €925.20 | €277,147.62 |
| 8 | 1 | 4 | €277,147.62 | €1,336.76 | €0.00 | €1,336.76 | €412.93 | €923.83 | €276,734.69 |
| 9 | 1 | 4 | €276,734.69 | €1,336.76 | €0.00 | €1,336.76 | €414.31 | €922.45 | €276,320.38 |
| 10 | 1 | 4 | €276,320.38 | €1,336.76 | €0.00 | €1,336.76 | €415.69 | €921.07 | €275,904.69 |
| 11 | 1 | 4 | €275,904.69 | €1,336.76 | €0.00 | €1,336.76 | €417.08 | €919.68 | €275,487.61 |
| 12 | 1 | 4 | €275,487.61 | €1,336.76 | €0.00 | €1,336.76 | €418.47 | €918.29 | €275,069.14 |
| 13 | 2 | 4 | €275,069.14 | €1,336.76 | €0.00 | €1,336.76 | €419.86 | €916.90 | €274,649.28 |
| 14 | 2 | 4 | €274,649.28 | €1,336.76 | €0.00 | €1,336.76 | €421.26 | €915.50 | €274,228.02 |
| 15 | 2 | 4 | €274,228.02 | €1,336.76 | €0.00 | €1,336.76 | €422.67 | €914.09 | €273,805.35 |
| 16 | 2 | 4 | €273,805.35 | €1,336.76 | €0.00 | €1,336.76 | €424.08 | €912.68 | €273,381.27 |
| 17 | 2 | 4 | €273,381.27 | €1,336.76 | €0.00 | €1,336.76 | €425.49 | €911.27 | €272,955.78 |
| 18 | 2 | 4 | €272,955.78 | €1,336.76 | €0.00 | €1,336.76 | €426.91 | €909.85 | €272,528.87 |
| 19 | 2 | 4 | €272,528.87 | €1,336.76 | €0.00 | €1,336.76 | €428.33 | €908.43 | €272,100.54 |
| 20 | 2 | 4 | €272,100.54 | €1,336.76 | €0.00 | €1,336.76 | €429.76 | €907.00 | €271,670.78 |
| 21 | 2 | 4 | €271,670.78 | €1,336.76 | €0.00 | €1,336.76 | €431.19 | €905.57 | €271,239.59 |
| 22 | 2 | 4 | €271,239.59 | €1,336.76 | €0.00 | €1,336.76 | €432.63 | €904.13 | €270,806.96 |
| 23 | 2 | 4 | €270,806.96 | €1,336.76 | €0.00 | €1,336.76 | €434.07 | €902.69 | €270,372.89 |
| 24 | 2 | 4 | €270,372.89 | €1,336.76 | €0.00 | €1,336.76 | €435.52 | €901.24 | €269,937.37 |
| 25 | 3 | 4 | €269,937.37 | €1,336.76 | €0.00 | €1,336.76 | €436.97 | €899.79 | €269,500.40 |
| 26 | 3 | 4 | €269,500.40 | €1,336.76 | €0.00 | €1,336.76 | €438.43 | €898.33 | €269,061.97 |
| 27 | 3 | 4 | €269,061.97 | €1,336.76 | €0.00 | €1,336.76 | €439.89 | €896.87 | €268,622.08 |
| 28 | 3 | 4 | €268,622.08 |