Your Complete Mortgage Toolkit for Ireland

Compare rates, calculate affordability, and simulate your entire mortgage journey with tools designed for Irish home buyers.

Your Mortgage Journey

Three steps to understand and plan your mortgage

Step 1

Check Affordability

Calculate how much you can borrow
Step 2

Compare Rates

Find the best rates from Irish lenders
Step 3

Simulate

Model your mortgage journey over time

Built Different

What makes MortgageLab stand out

100% Local

Everything runs in your browser. No server calls, no data collection. Your financial details stay private.

Daily Rate Updates

Rates are updated daily from official lender websites, so you always see current pricing.

Shareable URLs

Share your calculations with others via URL. Great for comparing options with a partner or advisor.

Persistent State

Your searches, rate selections, and simulations are saved in your browser automatically.

Open Source

Fully open source. Inspect the code, suggest improvements, or contribute on GitHub.

View on GitHub

Affordability Calculators

Find out how much you can borrow based on your situation

First Time Buyer
Calculate your maximum borrowing capacity as a first-time buyer with Central Bank lending rules.
Calculate
Home Mover
Moving to a new home? Calculate how much you can borrow based on your current equity and income.
Calculate
Buy to Let
Explore buy-to-let mortgage options with calculations based on rental income and investment rules.
Calculate

Breakeven Calculators

Make informed decisions with detailed cost comparisons

Rent vs Buy
Calculate when buying becomes cheaper than renting, accounting for all costs and equity buildup.
Calculate
Cashback Comparison
Compare mortgages with different rates and cashback offers to find the cheapest option over time.
Calculate
Remortgage Breakeven
Find out how quickly switching your mortgage will pay off, including switching costs and cashback offers.
Calculate

Powerful Tools

Compare rates and simulate your mortgage journey

Rates Comparison
Compare current mortgage rates from all major Irish lenders. Filter by LTV, fixed period, buyer type, and property characteristics.
Get Started
Mortgage Simulator
Simulate new mortgages or remortgages with rate changes over time, overpayment scenarios, and interactive charts.
Get Started

All Major Irish Lenders

Compare rates from every mortgage provider in Ireland