Mortgage Top-Up Calculator (Ireland)
See what happens if you borrow extra against your Irish home: the new combined loan, the new monthly payment, the total interest and the new loan-to-value.
Enter your details below.
How to use
- Enter your current balance, interest rate and remaining term to get your current payment.
- Enter the top-up amount you want to borrow, plus the new rate and term the lender offers on the combined loan.
- Enter the property value so the new loan-to-value can be checked.
- Click Calculate Top-Up Figures to compare the new payment with the current one and see the total interest.
About this tool
A top-up increases your existing mortgage by an extra amount, secured on your home, for example for a renovation or extension. The lender reassesses affordability and the property value before approving it, and the top-up is subject to a fresh affordability check and the Central Bank lending rules. This calculator first prices your current payment from your balance, rate and remaining term, then prices the combined loan at the new rate and term you enter, so you can compare the monthly change against the total interest. A top-up rate is usually lower than a personal loan rate, but because it is repaid over a much longer term the total interest can be higher, so compare both on total cost, not just the monthly payment.
Frequently asked questions
Is a top-up cheaper than a personal loan?
The rate is usually lower because the loan is secured on your home, but it is repaid over a much longer term, so the total interest can be higher. Compare both on total cost, not just the monthly payment.
Do I need a valuation for a top-up?
Usually yes. The lender needs to confirm the property value supports the larger loan, and there may be legal and valuation fees.
Related tools
All tools · Read the guide: Mortgage Top-Up Calculator (Ireland)