1This calculator is for illustrative and guidance purposes only and is not an offer of a loan. The amount you can borrow will depend on your individual circumstances and is subject to lending criteria, terms and conditions. Your mortgage may be subject to loan to value or loan to income limits and these limits may vary.

Fixed rates roll to the corresponding new business variable rate at the end of the fixed period.

APRC 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. For Buy to Let, APRC includes a fee for the Banks solicitor of €950 plus VAT at 23% plus outlay of up to €350.

Principal Dwelling Homes: 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 (90% of the property value for first time buyers, 70% of the full property value for Buy to Let) but these limits may vary. A typical mortgage of €100,000 over 20 years with 240 monthly instalments costs €615.79 per month at 4.2% variable (Annual Percentage Rate of Charge (APRC) 4.3%). The total amount you pay is €148,114.60. APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. A 1% interest rate rise would increase monthly repayments by €54.02 per month. [The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home].

Investor (Buy to Let) rates: The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. Mortgage applicants must be over 18. A typical Buy to Let mortgage of €100,000 over 20 years with 240 monthly instalments costs €647.91 per month at 4.8% 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 €157,016.90. 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 €55.43 per month.

APRC is the Annual Percentage rate of Charge

LTV is Loan to Value

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.