Irish Mortgage Comparator and Simulator
Visit www.mortgagelab.ie to use the tool.
Three calculators aligned with Central Bank of Ireland lending rules:
- First Time Buyer - 4x income limit, 90% LTV
- Home Mover - 3.5x income limit, 90% LTV, with equity consideration
- Buy to Let - 3.5x income limit, 70% LTV
Compare mortgage rates from 10 Irish lenders (AIB, Bank of Ireland, EBS, PTSB, Avant Money, Haven, ICS Mortgages, MoCo, Núa, Credit Union Mortgages). Filter by LTV, fixed period, buyer type, and BER rating. View historical rate trends and track changes over time.
Model your mortgage with interactive amortization charts. Simulate rate changes, overpayments, and different scenarios. Supports self-build mortgages with staged drawdowns and interest-only construction periods. Compare multiple saved simulations side-by-side with exportable reports.
- Rent vs Buy - Compare the long-term costs of renting versus buying
- Cashback Comparison - Compare mortgages with different rates and cashback offers
- Remortgage Breakeven - Calculate when switching to a new rate pays off
Export calculations to PDF, Excel, or CSV. Share results via URL with all data encoded in the link, no server storage required.
- All calculations run locally in your browser
- No data is sent to any server
- No cookies or tracking
- Open source for transparency
See the CONTRIBUTING file for development setup and guidelines.
See the DISCLAIMER file for important information about the limitations of this tool.
- Switcher and Bonkers - For their mortgage comparison tools that helped inspire this project
- CCPC - For providing a public mortgage comparison tool as a reference
- EnergyPal - For demonstrating the value of dedicated comparison tools in helping Irish consumers make informed decisions
Claude Code was used during development, but all decisions, specifications, and validation are human-driven.
This project is licensed under the MIT License. See the LICENSE file for details.
