Affordability calculator

How much could your customers borrow? 

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Get an instant estimate of what your customer could borrow based on their income and financial commitments. 

The actual figure we can lend your customer could depend on their credit score and the chosen product. During the application process we’ll ask for a more detailed breakdown of their income and outgoings, this could change the amount we lend. 

This calculator is for new business only. For calculations for existing customers, please call our enquiry line on 0345 266 8928*.

When using the calculator for contractors please enter 80% of the annualised gross contracting income, in line with our lending criteria.

Need help completing the calculator? Read our affordability calculator help page.

*Required

Applicant information

Mortgage terms

Applicant finances

Reference number

Your customer could borrow up to:

£10,000

This amount includes the product fees if you plan to add them to the loan.

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Please note the minimum household income for a residential mortgage is £20,000.
We will not normally lend to applicants who currently have unsecured debt which exceeds half their gross annual assessable income, even if it’ll be repaid in whole, or part, before completion. If the case has a lower debt to income ratio, it may still be sent for individual underwriter assessment. We’ll exclude student debt from this calculation.

This calculator provides an indication only. It is not a legally binding mortgage offer and places the Bank of Ireland UK at no obligation to provide your customer with a mortgage.

Register

Register now to submit business.

You’ll need to be a member of our approved panel to submit business.

Register now

Put us to the test

Our online application system makes your life easier.

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Online offers
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Document upload
Securely upload multiple documents per application
Case messaging
2-way communication straight to your underwriter
Document bundling
Single documentation for compliance evidencing