Mortgage calculator costs not included (Ireland)

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)

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.