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Bespoke Product Transfer Products

If your client is looking to transfer their Bespoke mortgage, you'll find our Bespoke product transfer rates below.

You can transfer your client’s mortgage if you or your firm introduced your client's current mortgage after June 2014. Simply select a product and apply online.  

If you didn’t introduce your client's mortgage or the mortgage started before June 2014, please get in touch with us before giving advice. 

See our new business products or Bespoke products for new clients.

The Bank of Ireland Standard Variable Rate is currently 8.04%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 05/07/2024.

Bespoke Product Transfer Products

60% LTV | Bespoke Residential Fixed Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.13% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% APRC £1495 None 3% until 30/09/2025, then 2% until 30/09/2026 ACWC
5 years 4.82% Fixed until 30/09/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.8% APRC £1495 None 4% until 30/09/2026, then 3% until 30/09/2028, then 2% until 30/09/2029 ACWD

75% LTV | Bespoke Residential Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.19% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% APRC £1495 None 3% until 30/09/2025, then 2% until 30/09/2026 ACWE
5 years 4.88% Fixed until 30/09/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.8% APRC £1495 None 4% until 30/09/2026, then 3% until 30/09/2028, then 2% until 30/09/2029 ACWG

85% LTV | Bespoke Residential Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.44% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1495 None 3% until 30/09/2025, then 2% until 30/09/2026 ACWH
5 years 5.01% Fixed until 30/09/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £1495 None 4% until 30/09/2026, then 3% until 30/09/2028, then 2% until 30/09/2029 ACWJ

All LTV | Bespoke Residential Fixed Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.66% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £0 None 3% until 30/09/2025, then 2% until 30/09/2026 ACWK
5 years 5.24% Fixed until 30/09/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.0% APRC £0 None 4% until 30/09/2026, then 3% until 30/09/2028, then 2% until 30/09/2029 ACWL

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