"My mortgage payments are really starting to hurt"

Remortgaging to lower your repayments

Don't worry. At Bank of Ireland Mortgages, we've got a range of great value mortgages you could switch to that could make your repayments more comfortable.

If your special rate period has come to an end on your current mortgage, or the deal you have is no longer competitive, switching to a new mortgage with us could make a lot of sense. We have a range of great new rates that could offer considerable savings compared to your current rate. Remember that if you choose to borrow more on your mortgage, this could affect your total repayments at the end of the mortgage period.

(If you're already a Bank of Ireland Mortgages customer you need to use the 'I'm an existing customer section' to see the new rates you can switch to.)

Simply choose a mortgage option to find out more about remortgaging with Bank of Ireland Mortgages.

Whatever type of mortgage you have, we've tried to make the process as simple and straight forward as possible. Simply choose your mortgage option from the three listed below and use the quick links to find more detailed information, and see the mortgage options currently available if you applied online today.

If you're not sure which is the right one for you, try our mortgage finder to help you decide.

Our helpful mortgage finder

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

Our easy to use borrowing and repayment calculator

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.