Sound as apound.
Stress-test your first step onto the ladder.
Check your deposit, monthly repayment, and affordability before you get too attached to the gaff.
New Property
Mortgage & Budget
Net monthly income powers the affordability meter below. Leave it blank if you only want indicative repayment numbers.
Add your monthly income to unlock the Morto Meter.
The repayment estimate is still live, but the affordability verdict stays neutral until you enter take-home pay above.
Cashback usually arrives after drawdown, so treat Cash Needed Now as the money you need before the bank gives anything back.
Disclaimer: Morto.ie is a personal budgeting and property analysis tool. We are not a financial advisor, mortgage broker, or a regulated financial institution. The calculations, ‘Stress Tests,’ and ‘Freedom Dial’ projections provided are for illustrative purposes only and are based on the data you input. While we strive for accuracy regarding Central Bank of Ireland (CBI) rules and Irish tax laws (Stamp Duty/HTB), these figures are estimates and should not be used as the sole basis for any financial decision. Interest rates, bank criteria, and government schemes are subject to change. Always consult with a qualified, regulated QFA (Qualified Financial Advisor) or Mortgage Broker before entering into a legal contract. Morto.ie accepts no liability for any financial loss incurred.