Estimate your new mortgage repayments after a top-up.
Plan Your Finances with Our Mortgage Top-Up Calculator Ireland
Looking to borrow extra funds on your existing mortgage? Our free and easy-to-use Mortgage Top-Up Calculator Ireland gives you an instant estimate of your new monthly repayments and total loan balance. Quickly see how a top-up could affect your mortgage budget before you apply. Explore more tools like this in our Loan & Finance Calculators.
📌 What Is the Mortgage Top-Up Calculator?
The Mortgage Top-Up Calculator is an online tool designed for Irish homeowners who are considering increasing their existing mortgage. By entering your current balance, top-up amount, interest rate and remaining term, you can instantly estimate what your new loan and repayments might be.
⚙️ How the Mortgage Top-Up Calculator Works
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Enter your current mortgage balance.
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Enter the top-up amount you’re thinking of borrowing.
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Input your interest rate and remaining term in years.
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Click “Calculate Repayments” to see your new total loan and estimated monthly repayment.
This helps you understand the financial impact of a top-up before approaching your lender.
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✅ Why Use This Calculator?
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Free & Instant – no sign-ups or downloads.
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Accurate Estimate – based on standard loan amortisation formulas.
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Flexible Scenarios – adjust term, rate and amount to see different outcomes.
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Ireland-Focused – perfect for Irish homeowners planning mortgage top-ups.
ℹ️ Additional Information
This calculator provides an indicative estimate only. Your actual repayments may differ based on lender charges, interest rate changes or fees. Always check with your mortgage provider for official figures.
❓ FAQs – Mortgage Top-Up Calculator Ireland
Q1. What is a mortgage top-up?
It’s an additional loan on top of your existing mortgage, usually to fund home improvements, education or other large expenses.
Q2. Who can use this calculator?
Anyone in Ireland considering topping up their existing mortgage.
Q3. How accurate is it?
It uses the standard annuity repayment formula to provide a quick, free estimate.
Q4. Can I change the interest rate or term?
Yes, you can adjust both to model different repayment scenarios.
Q5. Is this calculator free?
Yes, it’s completely free, quick and easy to use on any device.