Mortgage Calculator

Calculate mortgage repayments and how much you could borrow to get a mortgage.

Begin your Mortgage Journey Now

Use our mortgage repayment calculator to estimate your monthly repayments or calculate how much you can borrow.1 Our quick and easy mortgage calculator also displays the amount of cashback2 you could get when you drawdown your mortgage.

The Calculator provides the following information:

  • How much will the repayments be?
    Estimate your monthly mortgage repayments
  • How much can I borrow?
    Calculate the amount you could borrow for a mortgage

For additional calculators, including rate comparison and overpayment calculators, you can visit our mortgage calculator centre.

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.




Choose your mortgage with us…

First Time Buyer

First time buyer mortgage house with number one icon

First Time Buyer
First Time Buyer

Movers

Home mover mortgage house with circular arrow icon

Home Movers
Home Movers

Switchers

Switcher mortgage house with rotating arrows icon

Switch Mortgage
Switch Mortgage

Buy To Let

Buy-to-let mortgage house with percentage icon

Buy to Let
Buy to Let

Self-Build

Self-build mortgage house with hammer icon

Self-Build
Self-Build

EcoSaver Mortgage
EcoSaver Mortgage

Get all the information on Buying, Looking and Saving for your First Home.

Read our articles, exclusively for First Time Buyers.

Read more

Mortgage Media Hub

Explore our mortgage media hub for informative videos and podcasts covering everything you need to know about mortgages. Get expert insights and advice to guide you through your mortgage journey.

View media

Frequently Asked Questions

Got a question? Our FAQs may help. Go to our Help Centre to see a full list of frequently asked questions.

  • Where can I find more calculators?

    Our Mortgage Calculator Centre has a range of calculators available where you can find calculators for comparing mortgage rates, calculating overpayments and more.

    Did this answer your questions?

    Your answer helps us improve our Support Centre
    Thank you for your feedback!
  • How much of a mortgage can I get as a first time buyer?

    You can find full details on our First Time Buyer mortgage product page.

    Did this answer your questions?

    Your answer helps us improve our Support Centre
    Thank you for your feedback!
  • What is APRC?

    Annual Percentage Rate of Charge (APRC) is a calculation of the overall cost of a loan expressed as an annual rate. It takes into account all costs involved over the term of the loan, such as the interest rate, valuation fee and mortgage charge paid to the Property Registration Authority. We calculate it to a standard set out in consumer protection legislation.

    Did this answer your questions?

    Your answer helps us improve our Support Centre
    Thank you for your feedback!

 

Information and Legal notices ›

Ready to move ahead?

Book an appointmentApply online

You can also request a callback or give us a call on 0818 365 345.

Our phone lines are open at the following times:

Monday – Friday: 9am – 5pm

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 our standard variable interest rate.)

Terms of up to 35 years are available for First Time Buyers, Movers and Switchers.
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.
APRC (Annual Percentage Rate of Charge) calculations are based on the cost per month on a €100,000 mortgage over 20 years. APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority.
The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. A typical Buy to Let mortgage of €100,000 over 20 years with 240 monthly instalments costs €650.63 per month at 4.85% variable (Annual Percentage Rate of Charge (APRC) 5.1%). APRC includes a fee for the Banks solicitor of €950 plus VAT at 23% plus outlay of up to €350. The total amount you pay is €157,669.65. We require property insurance. You mortgage the property to secure the loan. Maximum loan is generally 70% of the property value. A 1% interest rate rise would increase monthly repayments by €55.55 per month.
The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. 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, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland
Begin your Journey