Your pension property illustration
Figures update when every field is valid. This model covers a single residential investment property.
Modelled limits: property price at least €100,000; loan €50,000–€1,500,000; maximum 50% mortgage; term 5–15 years. Enter zero for costs that do not apply.
Standard residential stamp duty: 1% on the first €1 million, 2% on the next €500,000 and 6% on the balance. Special acquisition rules, reliefs and VAT adjustments are not modelled. Revenue rates.
Fee assumptions: 0.5% of the loan for the lender application and €1,845 for lender legal costs. Enter additional solicitor, trustee, valuation and purchase costs under “Other purchase costs”; do not include the assumed lender fees again. The reserve includes six months of repayments and six months of the annual property costs entered. The 0.10%–20% rate range is an illustration input limit, not a lender rate range.
Scheme selection does not confirm provider or trustee acceptance. ICS pension lending criteria · ITC liquidity assumptions.
Assumptions reflect the published shape of the ICS Pension Unit Trust mortgage and the liquidity approach used by the Independent Trustee Company calculator, reviewed 28 September 2026. Rates, fees and criteria can change. Results are rounded and illustrative.