Buying a home is one of the biggest financial decisions you’ll ever make and your mortgage repayments are likely to be your
largest monthly expense for years, so it’s important you find the best deal for you.
Our mortgage calculator and comparison service lets you easily compare interest rates, offers and cashback incentives from all of Ireland’s mortgage lenders and will quickly show you what your monthly repayments would be.
So whether you’re a first-time buyer, a home mover, or looking to switch mortgage, we'll take the hard work out of finding the best mortgage deal for you. And of course our service is free, easy-to-use, 100% impartial and accurate.
To qualify for a mortgage in Ireland you need to meet certain criteria. In general these are:
The Central Bank’s mortgage lending rules state that a prospective home buyer can borrow up to 3.5 times their annual income though in some cases banks can provide an exemption to this limit and loan you more.
Current Central Bank rules state that first-time buyers need a cash deposit of 10% of the value of their property while second-time and subsequent buyers need a deposit of 20%.
There isn’t one answer to this question. Different banks offer different rates based on how big a deposit a prospective borrower has i.e. their loan-to-value ratio. In general the bigger the deposit you have saved in relation to the mortgage, the lower your interest rate will be. The best way to find out which bank has the lowest mortgage rates for your individual circumstances is to compare your options with our Mortgage Calculator.
You can switch your mortgage providing you meet certain criteria. Each bank has its own set of criteria, and if your financial circumstances have changed since you qualified for your initial mortgage, you may have problems switching. In general you must consider factors such as:
With so many banks now offering cashback on their mortgages, it's no surprise that customers and especially first time buyers, are being tempted by these often sizeable lump sums of cash.
The question to consider before diving in is do these offers represent the best value over the long term?
Comparing mortgages is easy with bonkers.ie. Just use our mortgage calculator to quickly compare the different interest rates, offers and cashback incentives from all of Ireland’s mortgage lenders and see what your monthly repayments would be.
We compare mortgage deals from Ireland's top mortgage lenders
We’re Ireland’s leading price comparison and switching site. We’re free to use and make comparing prices across suppliers quick and easy!
We save you time by bringing you all the best deals in one place. Every year we help tens of thousands of customers to switch and save money!
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