How much can I borrow?
How much could Bank of Ireland UK lend you?
Sense-check how much you could borrow with Bank of Ireland UK. We model a lender-style income multiple, disposable-income check, and stress test, while using the lender's indicative 7.74% SVR and 90% maximum LTV band as planning anchors.
Lender context
Bank of Ireland UK borrowing signals
This page uses Bank of Ireland UK's indicative 7.74% standard variable rate and 90% maximum LTV band as planning anchors. It is not a product quote, but it gives you a better borrowing conversation starter than a generic national average.
Category
Regional
Indicative SVR
7.74%
Max LTV
90%
Trust rating
4.2 / 5
Rates and lending criteria move regularly. Use these pages as planning tools, then confirm product details and overpayment rules with the lender before you act.
1. Your income
2. Your deposit
Planning note: Bank of Ireland UK is currently modelled against a maximum LTV of 90%.
3. Mortgage assumptions
Maximum you could borrow
£247,500
Property price you can target: £287,500 · Loan-to-income 4.50x
Monthly EMI at this loan
£1,291.08
Stressed EMI at 7.75%
£1,773.12
Passes typical lender stress test
- - Capped by 4.5× income multiplier.
- - Stress-tested at 7.75%.
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