Mortgage calculator

About these calculations:

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.
2Up to 3% Cashback is available to first-time buyers, movers and switchers who draw down a new mortgage. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for buy-to-let investment and equity release mortgages. Cashback is not available with our standard variable rates or High Value Mortgage fixed interest rate.
3A 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
4Building Energy Rating (BER) is the energy efficiency of a building and is rated from most (A) to least efficient (G), a BER can be obtained through the Sustainable Energy Authority of Ireland (SEAI) website by providing the BER number or Meter Point Reference Number (MPRN).
5In general, a mortgage of up to 4 times your gross annual income (combined income for joint applicants) and up to 90% of the property value is available to first-time buyers. We may be able to lend you more than this, so it is 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.

In general, a mortgage of up to 3.5 times your gross annual income (combined income for joint applicants) and 90% of the property value is available to movers. These limits can vary so talk to us if you need to discuss your options. The amount you can borrow will depend on your individual circumstances and is subject to lending criteria, terms, and conditions.

Explore overpayments, payment breaks, and rate comparison

Try our calculators to find out how each option could affect the amount you repay each month.

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Warning: If you do not keep up your repayments you may lose your home.
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.
Warning: The cost of your monthly repayments may increase.

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

Rate options not included in our calculators are our High Value Mortgage fixed interest rate. (Terms and conditions apply. Cashback is not available with the High Value Mortgage fixed interest rate or our standard variable interest rate.)

Terms of up to 35 years are available for first-time buyers, movers and switchers.

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 standard 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.

APRC (Annual Percentage Rate of Charge) 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 Tailte Éireann.

The lender is Bank of Ireland Mortgage Bank u.c. or Bank of Ireland. 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 a 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 Tailte Éireann. 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 a 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.

The lender is Bank of Ireland Mortgage Bank u.c. or Bank of Ireland. Lending criteria and terms and conditions apply. A typical buy-to-let mortgage of €100,000 over 20 years with 240 monthly instalments costs €650.63 a month at 4.85% variable (Annual Percentage Rate of Charge (APRC) 5.1%). APRC includes a fee for the Bank’s solicitor of €950 plus VAT at 23% plus outlay of up to €350. The total amount you pay is €157,669.65. 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 €55.55 a month.


Information and legal notices

Legal and regulatory information for mortgages.

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