AI illustrationLast reviewed: 2026-10-26
The building blocks
Your payment depends on the loan amount, the interest rate, the term and whether the rate is fixed or variable. A larger down payment lowers the loan and the total interest paid.
Rules differ by buyer and property
Maximum loan-to-value, eligibility and debt-burden limits depend on regulation, residency status and property value. These change; confirm them with the Central Bank guidance and your lender.
Stress-test the rate
Our calculator shows a rate-sensitivity table so you can see the payment at higher rates. Results are indicative and are not a bank approval or an offer.
Frequently asked questions
Will I be approved?
Only a lender can decide. PropCami provides indicative calculations and never a bank approval.
Related tools and pages
Information is for decision support only and is not financial, legal or investment advice. Calculations are hypothetical and not forecasts.