Home buying calculators
To get started, our calculators can give you a rough idea of how much you might be able to borrow and what repayments to expect.
We’ve used our lowest 1 year fixed rate to estimate your repayments. Have a look at our other rate options available.
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.
If your receive a bonus, overtime or commission i.e. variable pay, a portion may be considered as part of your application – we’re happy to discuss this with you.
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 LTV Variable rate applicable at that time.
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 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 (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].
Green Mortgage Fixed Interest Rate
A discount of 0.3% off any of our fixed rate interest options between 1 and 10 years when you buy a home with a BER rating of B3 or better.
Draw down your mortgage between 18 July 2019 and 31 December 2023. At the end of the initial fixed rate period customers can choose from the normal interest rate options available to existing customers at that time. Terms and conditions apply.
Some reading you might find helpful
How to increase your chances of getting a mortgage offer
Can you afford to buy your first home?
Ready to move forward with your application?
Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland