Use our mortgage calculators to get a quick idea of what you can afford in Northern Ireland — then turn those numbers into a real plan with a Decision in Principle.
Start with a calculator below or jump straight into your application.
Start your Decision in PrincipleBuying your first home in Northern Ireland? These tools help you understand how much you might borrow, what it could cost each month, and how much Stamp Duty you may need to pay.
Get an estimate of how much a lender might allow you to borrow based on your income and financial commitments.
Open calculatorThis affordability calculator gives you an indication of how much you may be able to borrow for a mortgage in Northern Ireland. It looks at your income and key outgoings to estimate a sensible borrowing range.
Estimate your monthly mortgage payment for a given loan amount, rate and term.
Open calculatorThis monthly mortgage payment calculator helps first-time buyers understand what repayments could look like on different interest rates and terms.
Estimate the Stamp Duty Land Tax you may need to pay on a property purchase in Northern Ireland.
Open calculatorThis calculator estimates how much Stamp Duty you might pay based on purchase price, first-time buyer status, and whether you will own other property upon completion.
Thinking about switching mortgage deal or lender? These calculators can help you compare your options before you remortgage.
See whether you could increase, reduce or simply replace your existing mortgage when you remortgage.
Open calculatorThis remortgage affordability calculator shows how much you might be able to borrow if you change deal or lender. It helps you understand whether raising extra funds or consolidating borrowing is realistic.
Compare what your repayments could look like on a new rate or term versus your current deal.
Open calculatorThis calculator lets you test new interest rates and terms on your current balance. It's a quick way to compare remortgage options and plan ahead.
Looking at rental property in Northern Ireland? Use these buy to let mortgage calculators to explore potential borrowing and costs.
Get an indication of potential borrowing for a buy to let mortgage, subject to rental and lender criteria.
Open calculatorThis buy to let mortgage calculator estimates how much you might be able to borrow on an investment property. Lenders assess rental coverage and specific stress tests.
Work out an estimated monthly mortgage payment for a buy-to-let property.
Open calculatorThis calculator helps landlords compare mortgage payments against expected rental income when planning a new investment or refinancing.
Estimate Stamp Duty for buy to let purchases, including surcharge on second homes.
Open calculatorThis Stamp Duty calculator shows the tax payable on buy-to-let properties in Northern Ireland, including the additional property surcharge applied to investment properties.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances’
Yes. Our mortgage calculators are designed with Northern Ireland in mind. While the basic maths is similar across the UK, we focus on rates, rules and property prices that are relevant to borrowers here.
No. Our calculators are for guidance only and do not run any credit checks. They are a useful starting point before you complete a Decision in Principle, which may involve a soft or hard credit search depending on the lender.
The results are estimates based on the information you enter and typical lending criteria. Lenders will also consider your full credit history, detailed income and spending when assessing a real application.
No. Anyone considering a mortgage or remortgage in Northern Ireland can use our mortgage calculators. If you’d like personalised advice, you can move on to a Decision in Principle and speak to an adviser.
Once you’ve tried the calculators and have a feel for your borrowing power and monthly costs, the next step is to complete a Decision in Principle. This helps confirm what lenders might be willing to offer and puts you in a stronger position when viewing properties or making offers.