🏦 Investment Mortgage Calculator – Ireland
Estimate your monthly mortgage repayments, total interest, and overall loan cost for investment or buy-to-let properties in Ireland.
Planning to buy an investment or buy-to-let property? Use our Investment Mortgage Calculator to estimate your monthly repayments, total interest, and overall loan cost. Whether you’re a first-time investor or expanding your property portfolio, this tool helps you quickly understand the financial side of your mortgage. Explore more financial and education tools on Loan & Finance Section.
💡 What Is an Investment Mortgage?
An investment mortgage (also called a buy-to-let mortgage) is designed for people purchasing property to rent out rather than live in. In Ireland, investment mortgages often have:
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Higher interest rates than home-owner mortgages
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Larger deposit requirements (usually 25% or more)
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Different tax and lending conditions
This calculator lets you estimate how much your investment mortgage will cost each month based on your loan amount, interest rate, and term.
You can also go through our - Running Record Calculator Ireland
⚙️ How to Use the Calculator:
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Enter your loan amount (€) — the total you plan to borrow.
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Add your annual interest rate (%) — typically between 4% and 6% for investment loans.
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Enter your loan term (years) — for example, 20 or 25 years.
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Click “Calculate Mortgage” to view your results.
You’ll instantly see:
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🧮 Monthly Repayment Amount
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💰 Total Interest Paid Over the Loan Term
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📈 Total Cost of the Loan
💬 Note: This calculator provides an estimate only. Actual repayments may vary depending on your lender’s rates, loan structure, and property valuation.
🧾 Example Calculation:
| Loan Amount | Interest Rate | Term | Monthly Payment | Total Interest | Total Cost |
|---|---|---|---|---|---|
| €250,000 | 4.5% | 25 years | €1,389.00 | €166,700 | €416,700 |
| €300,000 | 5% | 20 years | €1,980.00 | €174,000 | €474,000 |
| €400,000 | 4% | 30 years | €1,909.00 | €287,200 | €687,200 |
❓ FAQs – Investment Mortgage Calculator Ireland
Q1. What’s the difference between a residential and investment mortgage?
A residential mortgage is for your primary home, while an investment mortgage is for property you rent out. Investment loans usually have higher rates and stricter lending criteria.
Q2. Are investment mortgage rates higher in Ireland?
Yes. Since investment properties carry higher risk for lenders, the interest rates are typically 1–2% higher than standard residential mortgages.
Q3. Does this calculator include taxes or insurance?
No. The results only reflect principal and interest repayments. Additional costs like insurance, management fees, or taxes should be calculated separately.
Q4. How accurate is this tool?
It uses the official mortgage amortization formula for accurate financial estimates. Always confirm with your lender for final figures.
Q5. Is the Investment Mortgage Calculator free to use?
Yes! It’s completely free, mobile-friendly, and works on all devices — perfect for property investors and financial planning.