Punt provides financial education, not financial advice. For regulated mortgage advice, consult an authorised mortgage broker or contact MABS (mabs.ie).
€
€150k€800k
€
years
15 yr35 yr
%
2.5%6%
€
Used for LTI and stress-test calculations only.
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Monthly repayment
€1,468
Total interest€213,396
Total cost (price + interest)€528,396
Loan-to-value (LTV)
90.0%
Borderline (FTB max 90%)
Loan-to-income (LTI)
6.30×
FTB limit: 4×
Central Bank stress test
Lenders stress-test your ability to repay if interest rates rose by 2%.
Stress-tested monthly repayment: €1,848 at 5.80%
This would likely fail the standard affordability check — the stress-tested payment exceeds 35% of your monthly gross income.
Interest vs principal over time
Year 1€1,468/mo avg
Interest 67%Principal 33%
Year 5€1,468/mo avg
Interest 62%Principal 38%
Year 10€1,468/mo avg
Interest 54%Principal 46%
Year 20€1,468/mo avg
Interest 33%Principal 67%
Year 30€1,468/mo avg
Interest 2%Principal 98%
Interest
Principal
This calculator is for educational purposes only. Actual mortgage offers depend on your full financial profile, the lender’s criteria, and Central Bank of Ireland mortgage measures. Always speak to a mortgage advisor or use the CCPC’s money tools before making a decision.