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See how overpayments, payment breaks, and even a different interest rate could affect the amount you repay each month.
If you run into extra expenses in a year, like the birth of a child or school fees, you can choose to take a 3-month payment break. Taking a payment break may help you manage your finances in the short term, but can cost you more in the long term. You can take a payment break up to three times over the life of your mortgage. Applications are subject to approval. Terms and conditions apply.
Please note: This is not an application for a payment break. These calculations are indicative and are for illustrative and guidance purposes only. The calculations assume the interest rate you have input will not change for the rest of your mortgage term. Available on your principal private dwelling only. Only available on annuity (standard capital and interest) repayment mortgages. Qualification criteria and terms and conditions apply.
If you are on a fixed rate, at the end of your fixed rate period you can choose from rate options available to you then or roll to the variable rate that applies at that time.
If you are on a variable rate, this rate may change during the life of your mortgage.
‘Your current monthly repayments’ is the amount you would be contractually obliged to pay based on the amount, term, and interest rate you entered. It is based on full capital and interest payments, but it does not include any overpayments. For that reason, it may not match the actual amount that you repay each month.
The ‘Difference in the total amount to repay’ is a calculation of the additional interest you will pay over the remaining life of the mortgage based on the information you have put into the calculator.
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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 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 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 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. The mortgage will be subject to assessment of suitability and affordability. APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years. Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.
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