What is a good LTV ratio for a mortgage?

A Loan-to-Value (LTV) ratio below 80% is generally considered good, meaning a deposit of at least 20%. Lower LTV ratios typically attract lower interest rates. First-time buyers in Ireland are limited to 90% LTV under Central Bank rules, meaning a minimum 10% deposit.

Should I choose a fixed or variable mortgage rate?

Fixed rates offer payment certainty for the fixed term — ideal if rates are expected to rise. Variable rates can go up or down with the market and often allow overpayments without penalty. Most borrowers choose fixed rates for budgeting certainty, especially during high-rate periods.

How much interest do I save by overpaying my mortgage?

Even small overpayments can save thousands in interest. For example, overpaying €100/month on a €300,000 mortgage at 3.5% over 25 years can save over €18,000 in interest and cut 2 years off the term. Check with your lender — some fixed-rate mortgages limit overpayments to 10% per year.

What is APRC on a mortgage?

APRC (Annual Percentage Rate of Charge) is the standardised total cost of a mortgage per year, including interest and all fees, expressed as a percentage. It is required under the EU Mortgage Credit Directive (2014/17/EU) and allows borrowers to compare mortgages on a like-for-like basis.

What is an amortisation schedule?

An amortisation schedule is a table showing every monthly payment over the life of the mortgage, broken down into interest and principal portions. Early payments are mostly interest; later payments are mostly principal. Our calculator generates a full amortisation schedule for any mortgage.

🏠 Realkreditlån Afdragslommeregner

Beregn din månedlige realkreditlånsbetaling, samlede rente og amortiseringsplan. Bruger EU MCD-kompatibel APRC-formel.

Property Price €350,000

Deposit €70,000 (20%)

Rentesats (%)

Realkreditlånets løbetid (år)

Rate Type

Overbetaling (månedlig €)

Valuta

⚠️ For illustrative purposes only. Denne lommeregner udgør ikke finansiel rådgivning. Resultater kan variere baseret på långivergebyrer, arrangementomkostninger og andre afgifter. Konsulter altid en kvalificeret realkreditlånsrådgiver, inden du træffer beslutninger. Din bolig kan blive beslaglagt, hvis du ikke holder trit med dine betalinger.

Sådan bruger du realkreditlånsberegneren

I denne vejledning

How the calculation works
Understanding LTV ratios
Benefits of overpaying
Fixed vs variable rates

Sådan fungerer beregningen

This calculator uses the standard annuity formula used by all major lenders: M = P × [r(1+r)ⁿ] / [(1+r)ⁿ − 1], where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12) and n is the total number of monthly payments.

Forståelse af LTV (lån-til-værdi)

Din Loan-to-Value ratio er lånebeløbet divideret med ejendomsværdien, udtrykt som en procentdel. De fleste långivere tilbyder deres bedste renter ved LTV-rationer på 60–75%. Over 80% LTV kan du være forpligtet til at tegne realkreditlånsforsikring.

Fordele ved overbetaling

Making overpayments reduces your outstanding balance faster, which significantly reduces the total interest paid. Even an extra €100/month on a €250,000, 25-year mortgage at 4% can save over €15,000 in interest and cut 2 years off the term.

Faste vs Variable Renter

En fixed rate mortgage låser din rente fast i en aftalt periode (typisk 2–10 år) og giver betalingssikkerhed. En variable rate følger långiverens SVR eller en referencerente (f.eks. ECB-basisrente + margin), hvilket betyder, at betalingerne varierer.

Ofte stillede spørgsmål

Can I use this for interest-only mortgages? Ja — vælg "Kun renter" fra rente-type-rullemenuen. I kun-renter-tilstand dækker din månedlige betaling kun renterne; kapitalen tilbagebetales fuldt ud ved lånets udløb.

Does the calculator include stamp duty and fees? Nej — denne lommeregner viser kun tilbagebetalinger på realkreditlånet. Brug vores Stamp Duty Calculator til købsomkostninger.

Is this accurate for EU countries? Ja. Den centrale amortiseringsformel er universel. Landespecifik skattemæssig behandling af realkreditrenter er kompleks — konsulter altid en lokal rådgiver.

⚠️

Vigtig bemærkning: Dette værktøj er beregnet til at give estimater og bør ikke bruges som erstatning for professionel rådgivning. Oplysninger genereret af disse lommeregnere kan være ufuldstændige og tager ikke højde for alle individuelle omstændigheder. Søg altid rådgivning fra en certificeret ekspert (som en finansiel rådgiver, sundhedsperson eller licenseret ingeniør), inden du handler baseret på disse resultater.

Relaterede lommeregnere

Mortgage Affordability — How much can you borrow? Income multiple, stress test and LTV.
Mortgage Overpayment — See interest and time saved by overpaying monthly or with a lump sum.
Stamp Duty Calculator — Overførselsskat for UK, Irland og EU-lande.