Continue your plan
Useful next calculations
When to use this calculator
- Before comparing mortgage products, brokers or repayment types.
- When you want to test how a different deposit, rate or term changes the payment.
- When you need a quick estimate before using a formal illustration or agreement in principle.
- When you are stress-testing your budget against a higher rate.
A realistic Ireland planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Loan Amount (€) | €280,000 |
| Property Value (€) | €350,000 |
After entering these figures, review ltv and equity together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
LTV
Loan-to-value is the mortgage as a percentage of the property value. Crossing common LTV bands can change product eligibility and pricing.
Equity
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Method & assumptionsAuthoritative sources
This calculator divides your outstanding mortgage or proposed loan amount by the property's current or purchase value, then expresses the result as a percentage. The figure it produces is your loan-to-value ratio. It assumes a straightforward first-charge residential mortgage and does not account for second charges, shared ownership arrangements, or Help to Buy equity loan balances, which can affect the effective LTV seen by a lender. The tool uses the figures you enter directly — it does not apply any valuation adjustment or index property prices. For remortgage purposes, you should use a current market valuation rather than your original purchase price. This calculator is for illustrative purposes and does not constitute mortgage advice.
Common mistakes
- !Mixing up loan amount and property value, which distorts affordability and LTV.
- !Using a headline rate but forgetting fees, insurance or repayment type.
- !Testing only one term length instead of comparing payment and total cost together.
- !Treating the result as a lender decision rather than a planning estimate.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.
Frequently asked
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