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Affordability calculator

How much could your customers borrow?

Need help with the calculator?

Click here to read the help page with handy tips for each section.

Find out more

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 test

Number of adults ?

Number of children ?

Mortgage terms

Years

Months

Rate Type

Interest rate (%) ?

Applicant finances

*Applicant 1 annual income (£) ?

Applicant 2 annual income (£)

Monthly outgoings (£) ?

LTV

Reference number

Your Reference

Calculate

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.

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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. We’ll exclude student debt from our assessments.

This calculator provides an indication only. It is not a legally binding mortgage offer and places Bank of Ireland UK at no obligation to provide your customer with a mortgage. All applications must meet our standard lending criteria and are subject to assessment. The amount your customer could borrow may be less than displayed following this assessment.

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.

Need help with the calculator?

Click here to read the help page with handy tips for each section.

Find out more

Put us to the test

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

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

We're on a roll

On Sunday 29th November, due to planned maintenance, our online application system will be unavailable between 8am to 12pm. There may also be intermittent periods of downtime throughout the day. We apologise for any inconvenience caused.