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Affordability Calculator

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

Affordability Calculator Hints & Tips

Affordability Calculator

Find answers to key correct affordability results on our help page.

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 contractor lending criteria
  • This calculator is for new business only.



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

We won't 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.

Working with us hub, now available

Our new resource centre is here! Packed with information to help you with    pre-application queries, online applications, case updates and support    for existing customers.

We're right here for you and your clients.

Working with us

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