Home Movers Mortgage Calculator

Calculate mortgage repayments and how much you could borrow when you’re moving home.

Mortgage calculator

To start, select the option Mover.

About these calculations:

1This calculator is for illustrative and guidance purposes only and is not an offer of a loan. The limits applied can vary so it’s important to talk to us as early as possible about your plans. The amount you can borrow will depend on your individual circumstances and is subject to lending criteria, terms and conditions.
2Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment and Equity release mortgages. Cashback is not available with Variable Rates or High Value Mortgage fixed interest rate.
3A portion of any variable pay you earn such as bonus, overtime and commission may also be considered as part of your application – we’re happy to discuss this with you
4Building Energy rating (BER) is the energy efficiency of a building and is rated from most (A) to least efficient (G), a BER Rating can be obtained through SEAI website by providing the BER Number or MPRN Number.
5For First Time Buyers in general, a mortgage of up to four times your gross annual income (combined income for joint applicants) is available to first-time buyers. We may be able to lend you more than this, so it is important to talk to us as early as possible about your plans. The amount you can borrow will depend on your individual circumstances and is subject to lending criteria, terms, and conditions. First-time buyers can borrow up to 90% of the property value.

For Movers in general, a mortgage of up to 3.5 times your gross annual income (combined income for joint applicants) and 90% of the property value is available to Home Movers but these limits can vary so talk to us if you need to discuss your options. The amount you can borrow will depend on your individual circumstances and is subject to lending criteria, terms, and conditions.
EcoSaver Mortgage
EcoSaver Mortgage

Information & Legal notices

Rate options not included in our calculators are our High Value Mortgage fixed interest rate. (*Terms and conditions apply. Cashback is not available with the High Value Mortgage fixed interest rate or Standard Variable rate.)
At the end of a fixed rate period, customers on a fixed rate can choose from our range of fixed rate options available to existing customers or roll to the Variable rate at that time. If you entered into a fixed rate option prior to 18 April 2024, then you may be entitled to a Loan to Value (LTV) based standard variable rate upon maturity of that fixed rate period.
Terms of up to 35 years are available for Home Movers. Fixed rates roll to the corresponding new business Loan to Value variable rate at the end of the fixed period.
The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. Over 18s only. Mortgage approval is subject to assessment of suitability and affordability. You mortgage your property to secure the loan. We require property and life insurance.

Maximum loan is generally 3.5 times gross annual income and 80% of the property value but these limits may vary.
A typical mortgage to buy your home of €100,000 over 20 years with 240 monthly instalments costs €613.16 per month at 4.15% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. The total amount you pay is €147,482.50. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income (4 times gross annual income for first time buyers) and 90% of the property value. A 1% interest rate rise would increase monthly repayments by €53.89 per month. The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home. Available to over 18s only. APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years.
Warning: If you do not keep up your repayments you may lose your home.
Warning: The cost of your monthly repayments may increase.
Warning: You may have to pay charges if you pay off a fixed–rate loan early.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland

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