Remortgage Savings Calculator
Compare your current rate with a proposed new rate over the same remaining term, include switching costs and cashback, and see the break-even month. Everything runs on your device — nothing is stored or sent anywhere.
Over the full 20-year term, total repayments change by €28,523 (saved).
Net switching cost after cashback: €1,800.
Break-even: month 16. After that, the saving is yours.
This calculator uses standard annuity repayment arithmetic on the figures you enter and assumes the same remaining term on both loans. It ignores rate changes over time, offset features and overpayments, and it is not financial, legal or tax advice. Your lender's own figures govern. For what the costs line should include, see remortgage costs and fees and switching lender.
This page contains general information about Irish law and practice. It is not legal advice, it may not reflect your circumstances, and reading it does not create a solicitor–client relationship with Mary Molloy Solicitors. We do not advise on taxation; please speak to your accountant or Revenue. In contentious business, a solicitor may not calculate fees or other charges as a percentage or proportion of any award or settlement.