An indicative monthly payment and a full transaction-cost breakdown, using the rates and fees held in our settings rather than a number we made up.
Monthly repayment
Enter a property price to see the monthly repayment and the full cash-at-purchase breakdown.
Want this as a one-page summary?
We will email the year-by-year schedule, these assumptions and the full fee stack, in the form a bank will ask for. The numbers above stay on screen either way, and the schedule appears here the moment you send it.
What this calculator does
It applies an indicative rate, term and deposit to a purchase price and shows the monthly payment, the loan-to-value and the one-off costs: the 4% registration charge, the administration fee, the agency fee, the trustee fee and, where a mortgage is used, the registration and valuation fees.
What it does not do
It is not a quotation and it is not a pre-approval. Rates move, the loan-to-value cap differs for residents and non-residents and again for a second property, and the bank instructs its own valuation. Use this to size the decision, then get a real pre-approval before you offer.
The order that matters
Pre-approval before the offer, not after. A pre-approval expires, usually in sixty days, which is why the sequence matters more than the rate.
A number is not a pre-approval. When you want the real one, we introduce you to the brokers who write these for a living and tell you which of them is quickest.