Mortgage Affordability Calculator


With our mortgage calculator it’s easy to find out if the home you want is affordable.  Use the calculator below to get an instant indication.

How the calculator works

Fill out all the mortgage details (mortgage amount required, Purchase Price, Mortgage Term) and the affordability details (dependants, income, outgoing, etc.) then calculate.

  We won't save your personal information

  There are no credit checks

 

Clear result when you calculate

  Affordable - Based on your inputs our affordability criteria has ben met. You should proceed to contact us if you want to apply.

  Not Affordable - unfortunately, based on your inputs our affordability criteria has not been met.  If this amount is not affordable give us a call on 0345 6005 925, (or request a callback.) and we can discuss your options.

couple at laptop

How the calculator works

Fill out all the mortgage details (mortgage amount required, Purchase Price, Mortgage Term) and the affordability details (dependants, income, outgoing, etc.) then calculate.

  We won't save your personal information

  There are no credit checks

 

Clear result when you calculate

  Affordable - Based on your inputs our affordability criteria has been met. You should proceed to contact us if you want to apply.

  Not Affordable - Unfortunately, based on your inputs our affordability criteria has not been met. If this amount is not affordable give us a call on 0345 6005 925, (or request a callback.) and we can discuss your options.

tips

View tips on how to use our affordability calculator

Affordability Calculator

Applicant
Applicants

Applicants Name(s):

Attention Please enter applicants name(s)

Home
About the Property

Mortgage Amount*

Attention Please enter a Mortgage Amount

Property Value / Purchase Price*

Attention Please enter a Property Value / Purchase Price

Mortgage Term*

Attention Please enter a mortgage term

Product Type*
Please Select
  • AIB (NI) Product

Attention Please select a product type

Number of Applicants
Please Select
  • 1 Applicant
  • 2 Applicants

Attention Please select number of applicants

Dependants
Financial Dependants
Applicant 1
Number of Dependants
Please Select
  • 0
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10+

Attention Please select number of Dependants

Applicant 2
Number of Dependants
Please Select
  • 0
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10+

Attention Please select number of Dependants

Remuneration
Remuneration (Income)
Applicant 1

Net Monthly Income*

After all deductions

Attention Value must be greater than zero

Guaranteed Additional Net Monthly Income

Rental Income

60% of value deducted is included in our calculation

Applicant 2

Net Monthly Income*

After all deductions

Attention Value must be greater than zero

Guaranteed Additional Net Monthly Income

Rental Income

60% of value deducted is included in our calculation

Total:
Essentials
Other Essentials Outgoings

Childcare Costs / School Fees

General Home Insurance Premiums

Other Properties

Rates

Maintenance

Other

Total:
Credit
Credit Commitments

Credit Card

Loans

HP Payments

Other Mortgages

Co-Ownership Rental Repayment

Total:
Essential Spend
0.00
Discretionary Spend
0.00
Co-Ownership Rental Inflation
0.00
LTV (Loan to Value)
0.00
Surplus Amount
0.00
Stress Repayment Amount
0.00
Net Disposable Income
0.00
Required Surplus
0.00
Affordability Result
Warning Icon

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Important information

  • This is an illustration and not a commitment to lend. Mortgages are subject to an appraisal of the applicant's financial standing. Lending criteria, terms and conditions apply.
  • Should you proceed to apply for a mortgage with AIB (NI), note that additional stress testing of your existing financial commitments will be applied as part of our affordability assessment.
  • If you want to find out more information on our mortgages or want to apply, call us on 0345 600 5925†  or request a callback
† Lines open: Monday – Friday 09:00 – 17:00 (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.