Buy to Let Mortgage Calculator Ireland

Thinking of investing in property? Our Buy-to-Let Mortgage Calculator gives landlords and investors in Ireland a free, quick, and accurate estimate of their monthly repayments and rental income potential. By entering just a few details, you’ll see your mortgage costs, interest, and net cashflow — helping you decide whether your rental property investment makes financial sense. Find more smart tools to manage your borrowing in our Loan & Finance Calculators hub.

How This Buy-to-Let Mortgage Calculator Works

Using the calculator takes less than a minute:

1. Enter the mortgage amount (€) – the amount you want to borrow.

2. Add the annual interest rate (%) – typical buy-to-let rates can be slightly higher than standard mortgages.

3. Choose the mortgage term (years) – often between 15 and 25 years for investment loans.

4. Input your expected monthly rental income (€) – what you plan to earn from tenants.

5. Click “Calculate Buy-to-Let” to view your results.

You’ll instantly see:

• 💸 Monthly mortgage payment

• 💰 Total repayment over the term

• 📊 Total interest paid

• 🏠 Rental income

• ⚖️ Net monthly cashflow (rental minus repayments)

This way, you can compare multiple scenarios and check if your rental property will generate positive returns.

Why Use a Buy-to-Let Mortgage Calculator?

Property investment can be profitable, but only if you understand the numbers. Here’s why this tool is useful:

• ✅ Free and easy to use – no sign-up required.

• 📊 Provides an accurate estimate of repayments and returns.

• 🏦 Designed specifically for buy-to-let mortgages in Ireland.

• 🔍 Helps you compare different mortgage amounts, terms, and rental incomes.

• 💡 Makes it easier to decide if a property is financially viable before applying for a loan.

• 🙌 Gives you confidence when meeting lenders or planning your portfolio.

You can also check our - Credit Union Mortgage Calculator

Additional Information

📑 Loan Terms and Lender Policies

Buy-to-let mortgages often have stricter lending requirements than standard home loans. Interest rates, deposit size, and terms may vary by lender.

🏘️ Rental Yield Considerations

Your rental income plays a big role in loan approval. Lenders usually require the rent to cover at least 125–135% of your monthly mortgage repayment.

💳 Credit Profile and Deposit

A strong credit history and larger deposit can help you secure a lower interest rate. Many lenders require at least 20–30% deposit for buy-to-let mortgages.

💡 Additional Costs

Factor in insurance, property tax, maintenance, management fees, and potential vacancy periods. These can affect your overall profit.

✅ Estimates vs. Reality

Our calculator gives a reliable estimate, but actual repayments will depend on lender terms, market conditions, and your personal financial profile. Always confirm with your bank or credit union before proceeding.

Frequently Asked Questions (FAQs)

1. What is a Buy-to-Let Mortgage Calculator?

It’s a tool that helps property investors estimate their monthly repayments, total loan costs, and rental income profitability.

2. Can I use it for all property types?

Yes, whether it’s a house, apartment, or multi-unit rental, the calculator gives an accurate repayment and cashflow estimate.

3. How accurate are the results?

The results are very accurate based on the figures you enter, but your lender’s actual offer may differ.

4. Why are buy-to-let mortgage rates higher?

Lenders consider buy-to-let loans higher risk than standard mortgages, so they often charge higher interest rates and require larger deposits.

5. Is this Buy-to-Let Mortgage Calculator free to use?

Yes — it’s completely free, quick, and available online anytime.