How much can I borrow?


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Based on your income you could
get a property of up to


A minimum deposit of 0 is required
Your mortgage would be 0

Please note that this calculator gives indicative results for illustrative and guidance purposes only and is not an offer of a loan. Your mortgage may be subject to a loan to value or a loan to income limit under the Central Bank Regulations introduced in February 2015. You can contact us for more information as the limits may vary.

There are lending criteria and terms and conditions and security and insurance are required.

Maximum term for First Time Buyers 35 years |Maximum term for Movers 30 years

APRC is the Annual Percentage rate of Charge | LTV is Loan to Value

Bank of Ireland Mortgage Bank trading as Bank of Ireland Mortgages and The Mortgage Store is regulated by the Central Bank of Ireland. Bank of Ireland is regulated by the Central Bank of Ireland.

Our great rates, tailored for you...

The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. A typical mortgage to buy your home of EUR100,000 over 20 years with 240 monthly instalments costs EUR615.79 per month at 4.2% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes EUR150 valuation fee and mortgage charge of EUR175 paid to the Property Registration Authority. The total amount you pay is EUR148,114.60. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value up to EUR220,000 for first time buyers). A 1% interest rate rise would increase monthly repayments by EUR54.02 per month. The cost of your monthly repayments may increase if you do not keep up your repayments you may lose your home.

Warning: If you do not keep up your repayments you may lose your home.
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.

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