Home Movers Mortgage Calculator

Calculate mortgage repayments and how much you could borrow when you’re moving home.

Mortgage calculator

To start, select the option Mover.

About these calculations:

We’ve used our lowest 1 year fixed rate to estimate your repayments. Have a look at our other rate options available.

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.
2A 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.
3Up to 3% Cashback is available to Home Movers who draw down a new mortgage by 31 December 2022. 2% Cashback on draw down of a new mortgage and 1% bonus in 5 years, subject to meeting the conditions of the mortgage. Cashback is not available with the High Value Mortgage fixed interest rate. Terms and conditions apply.

Information & Legal notices

Rate options not included in our calculators are our Green Mortgage fixed interest rate and High Value Mortgage fixed interest rate. (*Terms and conditions apply. Cashback is not available with the High Value Mortgage fixed interest rate.)
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 Home Movers 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 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.

Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland

Contact Us

Coffee cup icon

Book an appointment
Pop into a local branch or a
mobile manager can contact you.

Clock timer icon

Request a callback
We can call you back at a time that
suits you best.


Telephone icon

Call 0818 365 345
Speak with one of our lending specialists
Open 9am – 5pm Monday to Friday