New rate options not included in our calculators are our Green Mortgage fixed interest rate and our High Value Mortgage fixed interest rate – click for more information. (Terms and conditions apply. Cashback is not available with the High Value Mortgage fixed interest rate.)

Disclaimer

This 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.
Terms of up to 35 years are available for First Time Buyers, Movers and Switchers to a maximum age of 70.
Fixed rates roll to the corresponding new business 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 (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].

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.

APRC = Annual Percentage Rate of Charge LTV refers to Loan to Value
*We’ll give you 2% Cashback when you drawdown your new mortgage with us. If you’re a Bank of Ireland current account customer, you can also qualify for Cashback PLUS – we’ll give you an extra 1% of your mortgage back as cash after 5 years. Find out more about our Cashback PLUS offer. (Terms and Conditions apply)
Bank of Ireland Mortgage Bank trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.