EBS Mortgage Calculator

The EBS Mortgage Calculator helps you calculate monthly repayments, determine how much you can borrow, analyze overpayment savings, and explore top-up options for your EBS mortgage in Ireland.

EBS (Educational Building Society) offers competitive mortgage rates for homebuyers in Ireland. Our calculator supports various mortgage scenarios including first-time buyer calculations, green mortgage discounts for energy-efficient homes, and mortgage top-up options.

Key Features:

• Calculate monthly mortgage repayments with principal, interest, property tax, and insurance
• Determine maximum borrowing capacity based on income and expenses
• Analyze savings from overpayments and lump sum payments
• Calculate top-up mortgage options and additional monthly payments
• Green mortgage discount calculations for BER A or B rated homes
• Export payment schedules to CSV for detailed analysis

Irish mortgage rules typically allow first-time buyers to borrow up to 3.5 times their annual income, while other buyers can borrow up to 3 times their income. Monthly payments are generally limited to 35% of gross monthly income.

Use this calculator to plan your mortgage journey with EBS, whether you're a first-time buyer, looking to switch, or considering a mortgage top-up for home improvements or other purposes.