If you are borrowing with a partner there are a few ways a lender might combine your incomes. Estimate how much you can borrow for your home loan using our borrowing power calculator. 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 limits applied can vary so it’s important to talk to us as early as possible about your plans. With your deposit, this means a home worth £200,000. At the moment all purchase and remortgage applications for new customers are limited to 85% of the property value. The total amount you pay is €148,114.60. We have a team of mobile mortgage managers who will meet you at a time and place of your convenience. Use our mortgage rate calculator to give you a quick idea of how much you could borrow, show your mortgage rates and compare monthly payments. By proceeding any further you will be deemed to have read our Terms and Conditions and Privacy Statement. How much could you borrow? How much can I borrow? Mortgage Calculators You can use our calculators to calculate how much you can afford for a mortgage loan based on your current income, work out what your monthly repayment amounts will be and find out how much interest expense you can save with a Deposit-linked Mortgage. Warning: The cost of your monthly repayments may increase. A 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. Our FAQs may help. What is your Variable Rate Policy Statement? So why wait. Details about the extent of our authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from us on request. 5 reasons to choose AIB 2.5 mins. The monthly repayment on a 20 year mortgage with Loan to Value (LTV) greater than 80% with variable borrowing rate of 4.20% on a mortgage of €100,000 is €616.57 for 240 months. Next, get your free mortgage in principle - a shiny certificate you can take to property viewings to show you're a serious buyer. We’ll work it out by looking at your income and your outgoings. And remember, even though there might be a limit to the amount you can borrow, you can save as much deposit as you like to make up the balance. Bank of Ireland Group plc is a public limited company incorporated in Ireland, with its registered office at 40 Mespil Road, Dublin 4 and registered number 593672. You can borrow up to three and a half times your annual income or joint incomes. A mortgage is high-ratio when your down payment is less than 20% of the property value. Please enter second applicant's gross annual income. Our mortgage calculator will give you an idea of how much you might be able to borrow. Warning: If you do not meet the repayments on your loan, your account will go into arrears. Answer a few simple questions and in less than one minute we’ll calculate what your mortgage repayments might be. Mortgage approval is subject to assessment of suitability and affordability. Do you qualify for 2% of your new mortgage back as cash, plus 1% in 5 years? 500748. In less than 3 minutes, our handy mortgage calculator will give you a good idea of how much you can borrow. In less than 3 minutes, our handy mortgage calculator will give you a good idea of how much you can borrow. Dublin 4, D04 WV00, Ireland. Conditions, Privacy We have over 250 branches nationwide with expert mortgage specialists ready to talk to you. Warning: If you do not keep up your repayments you may lose your home. Warning: If you do not meet the repayments on your loan, your account will go into arrears. The amount you can borrow will depend on your individual circumstances and is subject to lending criteria, terms and conditions. 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. A 1% interest rate rise would increase monthly repayments by €54.02 per month. Fill in the contact form or Please contact one of our mortgage advisors to discuss mortgage options tailored for your needs. Calculate roughly how much you may be able to borrow as a mortgage for a property you’ll live in, based on your income and personal situation. is regulated by the Central Bank of Ireland. With just a few simple details, we can show you how much you could be eligible to borrow, as well as breaking down your monthly repayments. So that we can support those in the most vulnerable situations, please only call if it’s urgent. How much could I borrow? Before proceeding Find out how much you could borrow or calculate your mortgage rate in a few simple steps. See our help and support pages for guidance and to find out what you can do through online and mobile banking. With our mortgage calculator it’s easy to find out how much you could borrow. (*Terms and conditions apply. *This isn’t an official mortgage offer but it will let you know how much you could borrow so you can start doing the sums. See the average mortgage loan to income (LTI) ratio for UK borrowers. Pop into a local branch or a mobile mortgage manager can come to you, Speak with one of our lending specialists Mon to Fri 9am-5pm. Mortgage Affordability Calculator How much can you borrow? If you’re an existing Santander mortgage customer moving home, you may be able to borrow up to 95% of the property value. Principal Dwelling Homes: The lender is Bank of Ireland Mortgages. For example, if your gross income is €80,000, the maximum mortgage would be €280,000. Have a look at our other rate options available. Registered Office: The EBS Building, 2 Burlington Road, EBS. Try our online mortgage calculator. Visit our Mortgage Calculator Centre and choose from - how much you can borrow, rent vs buy, rate comparison or overpayment calculator. The above mortgage calculator lets you work out how much you can borrow. Get all the benefits of a Bank of Ireland Mortgage. How much can I borrow on a mortgage? The journey to buying a home 2 mins. Please check the values which you have entered and try again. We have a team of mobile mortgage managers who will meet you at a time and place of your convenience.. We have over 250 branches nationwide with expert mortgage specialists ready to talk to you. Terms of up to 35 years are available for First Time Buyers, Movers and Switchers, to a maximum age of 70. This field is for validation purposes and should be left unchanged. Dependents are children you support financially. d.a.c. 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