"All I want is clear and simple mortgage help. Is that too much to ask?"

Affordable mortgages for people who live in the real world.

Welcome to Bank of Ireland Mortgages. We've been in the business for 220 years, so we have the experience necessary to understand your situation. You may be struggling to buy for the first time, ready to move up the property ladder or keen to switch to a better rate. Alternatively, you may be frustrated that traditional High Street lenders aren't able to meet your Self Cert needs or fulfil your Buy to Let ambitions. Rest assured, we'll do our best to help.

You can use our mortgage calculators, mortgage finder or refer to our glossary of mortgage jargon to help you along the way. And, if you'd like to find out more about Bank of Ireland Mortgages, we can help you with that too.

Our easy to use borrowing and repayment calculator

It's important to budget realistically when buying a property. To show you the effect your choices may have, simply choose the calculator that best suits your needs and enter your details. You can input these as often as you like to try out different combinations.

Borrowing Calculator

To arrive at your maximum borrowing limit we take your income (or the first two applicants' incomes if you're buying jointly) subtract any regular outgoings, then multiply what's left by a figure that depends on whether you're buying alone or jointly.

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Affordability Calculator

If you already know how much you need to borrow, and the type of mortgage you're interested in, simply fill in your details below to get an indication of how much your initial monthly repayments will be.

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Buy to Let Borrowing Calculator

Buy to Let mortgages are not calculated on personal income, but on a percentage of likely rental income. If you know how much rent you could expect to charge for your property, we use this to calculate the maximum amount we'll lend you.

Buy to Let Rental Calculator

We do not use your personal income to calculate Buy to Let mortgages, instead they are calculated on a percentage of likely rental income. If you know how much you need to borrow for a property, and the type of mortgage you're interested in, this calculator can give you an indication of much rent you will need to generate.

Our helpful mortgage finder

It'll quickly show you all our mortgage options we can offer you, to help you make the right choices.

Use finder

If you are a mortgage intermediary applying on behalf of a client you need to apply via our dedicated intermediary site.