Why this exists
I was going through the Irish mortgage maze myself and kept running into the same wall. Every bank calculator quietly assumes you already understand its product. The Help to Buy and First Home Scheme sums are buried in PDFs. And most of the "free" comparison tools want your name, number and email before they'll show you a single figure.
So I built the thing I wanted: a set of calculators that give you a straight answer, work out the schemes properly, and ask for nothing in return. No account, no email wall, no tracking. You can share a calculation as a link and the numbers travel in the URL, because everything runs in your own browser and never touches a server.
Who I am
I'm Dan McMorrow, a software developer based in Ireland. I'm not a mortgage broker, a lender, or a financial advisor, and MortgageMath is a personal project rather than a company with a sales target. That independence is the whole point: I've no product to steer you toward, so the calculators can just tell you the maths.
If any figure looks wrong or out of date, I genuinely want to hear it. You can reach me any time on the contact page, and I fix things quickly.
The principles I hold it to
- Free and un-gated. Every calculator is free and always will be. Results are never held behind a form.
- Nothing tracked. The numbers you type stay in your browser. There are no advertising cookies. Read exactly what is and isn't collected on the privacy page.
- Show the working. Every formula, rule and assumption is written out on the methodology page, and the maths is covered by an automated test suite.
- Honest about money. MortgageMath is free to run and carries no ads today. If that ever changes, for example a clearly-labelled option to speak to a regulated broker, it will be disclosed right next to the feature, never hidden.
Built for Ireland specifically
These aren't generic calculators with a euro sign bolted on. They apply the Central Bank of Ireland's loan-to-income limits, the current Revenue stamp duty bands, the Help to Buy refund rules and the First Home Scheme equity model, including the service charges that kick in from year 6. When the rules change in the Budget, the calculators get updated and the methodology page records when they were last reviewed.