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Bespoke Products

If your client has had pre-application approval from our Bespoke underwriting team, you can find a mortgage to suit their needs here.

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You’ll find a range of residential mortgages up to 90% LTV. Use the filters below to find the right product for your client.

The Bank of Ireland Standard Variable Rate is currently 4.99%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid).

Bespoke New Business – correct as of 24/05/2022
Bespoke Large Loans New Business – correct as of 24/05/2022
Bespoke Further Advances – correct as of 11/05/2022
Bespoke Product Transfers – correct as of 11/05/2022

Bespoke Products
60% LTV | Bespoke Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.08% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2023, then 2% until 31/07/2024 4JM
5 yrs 3.34% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4JN
70% LTV | Bespoke Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.10% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/07/2023, then 2% until 31/07/2024 4JP
5 yrs 3.34% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4JQ
75% LTV | Bespoke Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.12% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/07/2023, then 2% until 31/07/2024 4JR
2 yrs 3.37% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/07/2023, then 2% until 31/07/2024 4JS
5 yrs 3.34% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4JT
80% LTV | Bespoke Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.14% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2023, then 2% until 31/07/2024 4JU
5 yrs 3.36% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4JV
85% LTV | Bespoke Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.14% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2023, then 2% until 31/07/2024 4JW
2 yrs 3.19% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £995
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2023, then 2% until 31/07/2024 4JX
2 yrs 3.19% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2023, then 2% until 31/07/2024 4JY
2 yrs 3.48% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2023, then 2% until 31/07/2024 4JZ
5 yrs 3.36% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4KA
5 yrs 3.39% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £995
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4KB
5 yrs 3.39% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.3% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4KC
90% LTV | Bespoke Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.29% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2023, then 2% until 31/07/2024 4KD
2 yrs 3.39% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2023, then 2% until 31/07/2024 4KE
5 yrs 3.49% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4KF
90% LTV | Bespoke Green New Build Fixed Rates | For Purchases Only Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.39% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2023, then 2% until 31/07/2024 4KG
5 yrs 3.59% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £0
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4KH
75% LTV | Bespoke Large Loans Fixed Rates | Available on an exception basis only Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.27% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £1995
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/07/2023, then 2% until 31/07/2024 4KJ
5 yrs 3.49% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £1995
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4KK
80% LTV | Bespoke Large Loans Fixed Rates | Available on an exception basis only Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.31% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £1995
  • Minimum Loan £150,000
  • Maximum Loan £2,250,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 3% until 31/07/2023, then 2% until 31/07/2024 4KL
5 yrs 3.53% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £1995
  • Minimum Loan £150,000
  • Maximum Loan £2,250,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4KM
85% LTV | Bespoke Large Loans Fixed Rates | Available on an exception basis only Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.34% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £1995
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 3% until 31/07/2023, then 2% until 31/07/2024 4KN
5 yrs 3.56% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £1995
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4KP
90% LTV | Bespoke Large Loans Fixed Rates | Available on an exception basis only Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.59% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 3% until 31/07/2023, then 2% until 31/07/2024 4KQ
5 yrs 3.79% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4KR
60% LTV | Bespoke Product Transfer Fixed Rates | Product Transfers Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 2.70% Fixed until 31/05/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £1495 None 3% until 31/05/2023, then 2% until 31/05/2024 4AQ
5 yrs 2.99% Fixed until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.2% APRC £1495 None 4% until 31/05/2024, then 3% until 31/05/2026, then 2% until 31/05/2027 4AR
75% LTV | Bespoke Product Transfer Fixed Rates | Product Transfers Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 2.74% Fixed until 31/05/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £1495 None 3% until 31/05/2023, then 2% until 31/05/2024 4AT
2 yrs 3.21% Fixed until 31/05/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £495 None 3% until 31/05/2023, then 2% until 31/05/2024 4AS
5 yrs 2.99% Fixed until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.2% APRC £1495 None 4% until 31/05/2024, then 3% until 31/05/2026, then 2% until 31/05/2027 4AU
85% LTV | Bespoke Product Transfer Fixed Rates | Product Transfers Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 2.76% Fixed until 31/05/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £1495 None 3% until 31/05/2023, then 2% until 31/05/2024 4AV
2 yrs 3.24% Fixed until 31/05/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £495 None 3% until 31/05/2023, then 2% until 31/05/2024 4AW
5 yrs 3.01% Fixed until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.2% APRC £1495 None 4% until 31/05/2024, then 3% until 31/05/2026, then 2% until 31/05/2027 4AX
90% LTV | Bespoke Product Transfer Fixed Rates | Product Transfers Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.28% Fixed until 31/05/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0 None 3% until 31/05/2023, then 2% until 31/05/2024 3TE
5 yrs 3.55% Fixed until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.4% APRC £0 None 4% until 31/05/2024, then 3% until 31/05/2026, then 2% until 31/05/2027 3TF
ALL LTV | Bespoke Product Transfer Fixed Rates | Product Transfers Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.89% Fixed until 31/05/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% APRC £0 None 3% until 31/05/2023, then 2% until 31/05/2024 3TG
5 yrs 3.99% Fixed until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £0 None 4% until 31/05/2024, then 3% until 31/05/2026, then 2% until 31/05/2027 3TH
75% LTV | Bespoke Further Advance Fixed Rates | Further Advance Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 2.87% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0 None 3% until 30/06/2023, then 2% until 30/06/2024 3GF
5 yrs 2.99% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.2% APRC £0 None 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 3GG
90% LTV | Bespoke Further Advance Fixed Rates | Further Advance Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.40% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0 None 3% until 30/06/2023, then 2% until 30/06/2024 3GH
5 yrs 3.65% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £0 None 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 3GJ
90% LTV | Bespoke Further Advance Variable Rates | Further Advance Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 4.99% Variable which is our Standard Variable Rate for the entire mortgage term 5.2% APRC £0 None No Early Redemption Charges. T9S

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