What is included in this buying budget calculator?
It combines deposit, standard borrowing limits, stamp duty, solicitor fees, survey costs, valuation fees, and mortgage repayments into one estimate.
Buyer tool
Buying Budget Calculator
Plan your purchase budget with current Irish borrowing assumptions, deposit rules, and the extra costs that catch buyers out.
Real upfront costs
Include stamp duty, solicitor, survey, and valuation costs.
Target price check
See if a specific property price still looks realistic.
Plain-English output
Useful even if you are only starting to explore your options.
Buying Budget Calculator
Estimate how much you could buy for, what cash you may need up front, and what a target purchase price could mean for your monthly mortgage.
Extra buying costs
Based on current standard Central Bank mortgage measures for first-time buyers.
Maximum budget
€445,000
Based on your deposit and the standard borrowing limits for this buyer type.
Maximum mortgage
€380,000
This is the borrowing cap before any lender exception is considered.
Minimum deposit for target
€45,000
10% of the property value under standard rules.
Target purchase check
Stress-test a specific price, not just the theoretical maximum.
- Mortgage needed
- €385,000
- Monthly repayment
- €1,894
- Stamp duty
- €4,500
- Extra buying costs
- €7,500
Estimate only. Mortgage approvals, lender exceptions, insurance, and broker fees can vary by lender and by borrower.
Need buyer-side support too?
If the numbers work but finding or negotiating the right property feels hard, we can match you with buyer's agents.
Get Buyer Agent HelpExploring Help to Buy or First Home Scheme?
Model new-build support next if you are trying to bridge a deposit or affordability gap.
Open scheme calculatorExplore further
Helpful next pages
These are the strongest follow-on pages after using this calculator.
Buyer support
Get buyer-agent help
If the numbers work, get help with search, negotiation, or relocation.
Open pageScheme calculator
Model Help to Buy and First Home Scheme
Check if scheme support changes what you can realistically buy.
Open pageBuyer guides
Read buyer guides
Plan deposits, negotiation, and timing with practical next-step content.
Open pageFAQ
Is this a mortgage approval?
No. It is a planning tool only. Lenders also assess credit profile, employment, outgoings, and their own underwriting criteria.
Does it cover investors too?
Yes, but buy-to-let lending is simplified here and mainly modeled from deposit constraints. Real lender rental-stress tests can change the picture.
Why does the target purchase price matter?
It lets you test a real scenario rather than just a theoretical maximum, including stamp duty and buying costs tied to that price point.