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Intermediary use only

Affordability Calculator

Get an instant estimate of how much your client could borrow.

Help using the calculator

Things to consider:

  • During the application process we’ll ask for a more detailed breakdown of your client’s income and outgoings, which could change the amount we can lend
  • If your client is a contractor, please enter 80% of the annualised gross contracting income, in line with our lending criteria
  • When using the calculator for Help to Buy: Equity Loan, you'll need to calculate the repayment by entering 3% of the Equity Loan divided by 12 into the monthly outgoings
  • This calculator’s for new business only. For a further advance case, please call us on 0345 266 8928*
See our help page for more tips.

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 will be repaid in whole, or part, before completion. We'll exclude student debt from our assessment.

This calculator provides an indication only. It’s not a legally binding mortgage Offer and places Bank of Ireland UK at no obligation to provide your client with a mortgage. All applications must meet our lending criteria and are subject to assessment. The amount your customer could borrow may be less once this assessment has been made.

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