Mortgage Affordability Calculator

Sorry, the Mortgage Affordability Calculator is currently unavailable

The Mortgage Affordability Calculator is currently being updated. We apologise for any inconvenience this may have caused.

If you need information on how much you will be able to borrow or on any of our mortgage products you can call us on 0800 707 6206.

Mortgage calculations

The figures here will only give you an estimate of what you may be able to borrow. It isn't a mortgage offer and is not legally binding.

When you go through the application process the amount you could borrow will be based on a more detailed breakdown of your income and outgoings.

It doesn't apply to First Start, Post Office Family Link™ Mortgage, Post Office Retirement Link Mortgage™ or Buy to Let which are based on different calculations.

If you know which mortgage you like, you can work out your monthly repayments with our Repayment Calculator.

Post Office Money® Mortgages are provided by Bank of Ireland UK


Fixed Rate Mortgages

Know where you are by paying the same amount every month for a set period.

Tracker Mortgages

Ideal if you’re happy for your mortgage payments to go up or down.

Buy to Let Mortgages

Compare our Buy to Let Mortgages and make the most out of your rental property.

First Time Buyers

Taking your first step onto the property ladder is an exciting time, we'll guide you through what you need to know.


Whether you're upgrading your home or lowering your monthly payments, we want to make your remortgage as simple as possible.

Moving Home

Make moving home less stressful with our hints, tips and checklists on how to relocate with ease.

0800: All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Calls may be monitored or recorded for training and compliance purposes.

Small print

Please note our online mortgage application is only compatible with Internet Explorer 9+, Google Chrome 34+, Firefox 28+, Safari 5 and 7 web browsers and is not optimised for mobile phones.

Subject to status and lending criteria. Written illustrations available upon request. Borrowers must be aged 18 or over.

Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, FRN 512956. You can check this on the Financial Services Register by visiting the website or by contacting the Financial Conduct Authority (FCA) on 0800 111 6768. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 07022885). Registered Office: Bow Bells House, 1 Bread Street, London, EC4M 9BE. Post Office Limited is registered in England and Wales (No. 2154540). Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited.