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 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.
Terms of up to 35 years are available for First Time Buyers, Movers and Switchers. Fixed rates roll to the corresponding new business variable rate at the end of the fixed period.
The lender is Bank of Ireland Mortgage Bank u.c. 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 (4 times gross annual income for first time buyers) and 90% of the property value, (70% of the full property value for Buy to Let) but these limits may vary.
The lender is Bank of Ireland Mortgage Bank u.c. 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.