Does a mortgage repayment calculator include stamp duty and legal fees?

Often, no. Many repayment calculators focus on the mortgage repayment and interest. Purchase costs like stamp duty and legal fees can be separate cash-flow items.

What costs are commonly excluded from repayment estimates?

Common exclusions include stamp duty, solicitor fees, valuation and survey fees, mortgage protection and home insurance, moving costs, and lender fees. Ongoing costs like LPT can also be excluded.

Should I include insurance in my affordability planning?

Yes. For planning, include mortgage protection and home insurance as recurring costs alongside the mortgage repayment.

Is LPT part of the mortgage repayment?

No. Local Property Tax (LPT) is separate from your mortgage repayment. It is usually a recurring annual cost that you may want to budget for monthly.

Updated 2026-02-24·9 min read

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Mortgage calculator costs not included (Ireland)

Many mortgage repayment calculators focus on the loan repayment and interest. This guide lists the common one-off and ongoing costs you may want to include in your monthly planning so the budget is realistic.

Mortgage calculator (estimate)Stamp duty & LPT Affordability (gross vs net)

1) One-off purchase costs

Common one-offs you may want to plan for as separate cash items include:

Stamp duty
Solicitor / conveyancing fees
Valuation fee and survey (if used)
Moving and setup costs
Lender fees (if applicable)

2) Ongoing costs that change the monthly budget

Even when the mortgage repayment is stable, ongoing housing costs can change affordability:

Mortgage protection and home insurance
Local Property Tax (LPT)
Maintenance and repairs reserve

If you want a simple approach, convert annual items into a monthly reserve so your budget is more realistic.

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