Affordability calculator

How much could your customers borrow? 

Register

Register now to submit business.

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

Register now

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

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's affordability is below the minimum loan of

£

Your customer could borrow up to:

£10,000

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

Save results Print results

The minimum household income for a residential mortgage is £20,000. Please refer to loan size and LTV limits.
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.

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

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.

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 award winning application system makes sure your time with us is well spent. 

Register
Online offers and valuations
Download your applicant's offer and valuation
Document upload
Securely upload multiple documents in minutes
Case messaging
Message your underwriter directly
Document bundling
See everything in one place for quicker compliance evidencing