Our Bespoke service
We offer personalised underwriting for clients who don’t fit the mould.
Details of BespokeFor intermediary use only
If your client has had pre-application approval from one of our Bespoke underwriting team, you can find a mortgage to suit their needs here.
We offer personalised underwriting for clients who don’t fit the mould.
Details of BespokeYou’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 4.74%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 28/08/2019.
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 1.68% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.4% APRC | £1,495 | £500 Cashback paid to solicitor with advance Minimum Loan £50,000 Repayment Methods: Interest Only Part & Part Capital Repayment | 3% until 30/11/2020 then 2% until 30/11/2021 | KTP |
| 2 Yrs | 1.77% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.3% APRC | £995 | Standard Valuation Fee paid by Lender Repayment Methods: Interest Only Part & Part Capital Repayment | 3% until 30/11/2020 then 2% until 30/11/2021 | KTQ |
| 2 Yrs | 1.94% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.2% APRC | £0 | Standard legal fees paid by Lender (for remortgagers only) Standard Valuation Fee paid by Lender Repayment Methods: Interest Only Part & Part Capital Repayment | 3% until 30/11/2020 then 2% until 30/11/2021 | KTR |
| 3 Yrs | 2.06% Fixed | until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.1% APRC | £0 | £350 Cashback paid to solicitor with advance Standard Valuation Fee paid by Lender Minimum Loan £50,000 Repayment Methods: Interest Only Part & Part Capital Repayment | 3% until 30/11/2021 then 2% until 30/11/2022 | KTS |
| 5 Yrs | 2.03% Fixed | until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
3.8% APRC | £1495 | Standard Valuation Fee paid by Lender Repayment Methods: Interest Only Part & Part Capital Repayment | 4% until 30/11/2021 then 3% until 30/11/2023 then 2% until 30/11/2024 | KTT |
| 5 Yrs | 2.07% Fixed | until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
3.7% APRC | £1495 | Standard legal fees paid by Lender (for remortgagers only) Standard Valuation Fee paid by Lender Repayment Methods: Interest Only Part & Part Capital Repayment | 4% until 30/11/2021 then 3% until 30/11/2023 then 2% until 30/11/2024 | KTV |
| 5 Yrs | 2.14% Fixed | until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
3.9% APRC | £995 | £350 Cashback paid to solicitor with advance Standard Valuation Fee paid by Lender Minimum Loan £50,000 Repayment Methods: Interest Only Part & Part Capital Repayment | 4% until 30/11/2021 then 3% until 30/11/2023 then 2% until 30/11/2024 | KTW |
| 5 Yrs | 2.24% Fixed | until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
3.7% APRC | £0 | Standard legal fees paid by Lender (for remortgagers only) Standard Valuation Fee paid by Lender Repayment Methods: Interest Only Part & Part Capital Repayment | 4% until 30/11/2021 then 3% until 30/11/2023 then 2% until 30/11/2024 | KTX |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 1.79% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.3% APRC | £995 | Standard Valuation Fee paid by lender Repayment Methods: Capital Repayment Part & Part (Interest Only element maximum 60% LTV) | 3% until 30/11/2020 then 2% until 30/11/2021 | KTY |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 1.80% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.4% APRC | £1,495 | £500 Cashback paid to solicitor with advance Minimum Loan £50,000 Repayment Methods: Capital Repayment Part & Part (Interest Only element maximum 60% LTV)
| 3% until 30/11/2020 then 2% until 30/11/2021 | KTZ |
| 2 Yrs | 1.83% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.3% APRC | £995 | £350 Cashback paid to solicitor with advance Standard Valuation Fee paid by Lender Minimum Loan £50,000 Repayment Methods: Capital Repayment Part & Part (Interest Only element maximum 60% LTV) | 3% until 30/11/2020 then 2% until 30/11/2021 | KUA |
| 2 Yrs | 1.98% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.2% APRC | £0 | Standard legal fees paid by Lender (for remortgagers only) Standard Valuation Fee paid by Lender Repayment Methods: Capital Repayment Part & Part (Interest Only element maximum 60% LTV) | 3% until 30/11/2020 then 2% until 30/11/2021 | KUB |
| 5 Yrs | 2.18% Fixed | until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
3.7% APRC | £1,495 | Standard legal fees paid by Lender (for remortgagers only) Standard Valuation Fee paid by Lender Repayment Methods: Capital Repayment Part & Part (Interest Only element maximum 60% LTV) | 4% until 30/11/2021 then 3% until 30/11/2023 then 2% until 30/11/2024 | KUC |
| 5 Yrs | 2.20% Fixed | until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
3.9% APRC | £1,495 | £750 Cashback paid to solicitor with advance Standard Valuation Fee paid by Lender Minimum Loan £50,000 Repayment Methods: Capital Repayment Part & Part (Interest Only element maximum 60% LTV) | 4% until 30/11/2021 then 3% until 30/11/2023 then 2% until 30/11/2024 | KUD |
| 5 Yrs | 2.38% Fixed | until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
3.7% APRC | £0 | Standard legal fees paid by Lender (for remortgagers only) Standard Valuation Fee paid by Lender Repayment Methods: Capital Repayment Part & Part (Interest Only element maximum 60% LTV) | 4% until 30/11/2021 then 3% until 30/11/2023 then 2% until 30/11/2024 | KUE |
| 7 Yrs | 2.55% Fixed | until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
3.7% APRC | £0 | Standard Valuation Fee paid by Lender Repayment Methods: Capital Repayment Part & Part (Interest Only element maximum 60% LTV) | 4% until 30/11/2023 then 3% until 30/11/2025 then 2% until 30/11/2026 | KUF |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 1.89% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.4% APRC | £1,495 | £500 Cashback paid to solicitor with advance Standard Valuation Fee paid by Lender Minimum Loan £50,000 Repayment Methods: Capital Repayment | 3% until 30/11/2020 then 2% until 30/11/2021 | KUG |
| 2 Yrs | 1.94% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.4% APRC | £995 | £350 Cashback paid to solicitor with advance Standard Valuation Fee paid by Lender Minimum Loan £50,000 Repayment Methods: Capital Repayment | 3% until 30/11/2020 then 2% until 30/11/2021 | KUH |
| 2 Yrs | 2.18% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.3% APRC | £0 | Standard legal fees paid by Lender (for remortgagers only) Standard Valuation Fee paid by Lender Repayment Methods: Capital Repayment | 3% until 30/11/2020 then 2% until 30/11/2021 | KUJ |
| 3 Yrs | 2.33% Fixed | until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.3% APRC | £995 | £350 Cashback paid to solicitor with advance Minimum Loan £50,000 Repayment Methods: Capital Repayment | 3% until 30/11/2021 then 2% until 30/11/2022 | KUK |
| 5 Yrs | 2.35% Fixed | until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.0% APRC | £1,495 | Standard Valuation Fee paid by Lender Repayment Methods: Capital Repayment | 4% until 30/11/2021 then 3% until 30/11/2023 then 2% until 30/11/2024 | KUL |
| 5 Yrs | 2.40% Fixed | until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.0% APRC | £1,495 | £500 Cashback paid to solicitor with advance Standard Valuation Fee paid by Lender Minimum Loan £50,000 Repayment Methods: Capital Repayment | 4% until 30/11/2021 then 3% until 30/11/2023 then 2% until 30/11/2024 | KUM |
| 5 Yrs | 2.49% Fixed | until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
3.8% APRC | £0 | Standard legal fees paid by Lender (for remortgagers only) Standard Valuation Fee paid by Lender Repayment Methods: Capital Repayment | 4% until 30/11/2021 then 3% until 30/11/2023 then 2% until 30/11/2024 | KUN |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 2.28% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.4% APRC | £0 | Standard Valuation Fee paid by Lender Repayment Methods: Capital Repayment | 3% until 30/11/2020 then 2% until 30/11/2021 | KUP |
| 2 Yrs | 2.39% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.3% APRC | £0 | Standard legal fees paid by Lender (for remortgagers only) Standard Valuation Fee paid by Lender Repayment Methods: Capital Repayment | 3% until 30/11/2020 then 2% until 30/11/2021 | KUQ |
| 2 Yrs | 2.46% Fixed | until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.4% APRC | £0 | £500 Cashback paid to solicitor with advance Standard Valuation Fee paid by Lender Minimum Loan £50,000 Repayment Methods: Capital Repayment | 3% until 30/11/2020 then 2% until 30/11/2021 | KUR |
| 5 Yrs | 2.58% Fixed | until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
3.8% APRC | £0 | Standard legal fees paid by Lender (for remortgagers only) Standard Valuation Fee paid by Lender Repayment Methods: Capital Repayment | 4% until 30/11/2021 then 3% until 30/11/2023 then 2% until 30/11/2024 | KUS |
| 5 Yrs | 2.62% Fixed | until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable |
4.0% APRC | £0 | £500 Cashback paid to solicitor with advance Standard Valuation Fee paid by Lender Minimum Loan £50,000 Repayment Methods: Capital Repayment | 4% until 30/11/2021 then 3% until 30/11/2023 then 2% until 30/11/2024 | KUT |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| Standard Variable | 4.74% Variable | which is our Standard Variable Rate for the entire mortgage term |
4.9% APRC | £0 | No Additional Features Repayment Methods: Capital Repayment | None | GBS |
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
£500 Cashback paid to solicitor with advance
Minimum Loan £50,000
Repayment Methods:
Interest Only
Part & Part
Capital Repayment
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard Valuation Fee paid by Lender
Repayment Methods:
Interest Only
Part & Part
Capital Repayment
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard legal fees paid by Lender (for remortgagers only)
Standard Valuation Fee paid by Lender
Repayment Methods:
Interest Only
Part & Part
Capital Repayment
until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
£350 Cashback paid to solicitor with advance
Standard Valuation Fee paid by Lender
Minimum Loan £50,000
Repayment Methods:
Interest Only
Part & Part
Capital Repayment
until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard Valuation Fee paid by Lender
Repayment Methods:
Interest Only
Part & Part
Capital Repayment
until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard legal fees paid by Lender (for remortgagers only)
Standard Valuation Fee paid by Lender
Repayment Methods:
Interest Only
Part & Part
Capital Repayment
until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
£350 Cashback paid to solicitor with advance
Standard Valuation Fee paid by Lender
Minimum Loan £50,000
Repayment Methods:
Interest Only
Part & Part
Capital Repayment
until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard legal fees paid by Lender (for remortgagers only)
Standard Valuation Fee paid by Lender
Repayment Methods:
Interest Only
Part & Part
Capital Repayment
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard Valuation Fee paid by lender
Repayment Methods:
Capital Repayment
Part & Part (Interest Only element maximum 60% LTV)
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
£500 Cashback paid to solicitor with advance
Minimum Loan £50,000
Repayment Methods:
Capital Repayment
Part & Part (Interest Only element maximum 60% LTV)
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
£350 Cashback paid to solicitor with advance
Standard Valuation Fee paid by Lender
Minimum Loan £50,000
Repayment Methods:
Capital Repayment
Part & Part (Interest Only element maximum 60% LTV)
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard legal fees paid by Lender (for remortgagers only)
Standard Valuation Fee paid by Lender
Repayment Methods:
Capital Repayment
Part & Part (Interest Only element maximum 60% LTV)
until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard legal fees paid by Lender (for remortgagers only)
Standard Valuation Fee paid by Lender
Repayment Methods:
Capital Repayment
Part & Part (Interest Only element maximum 60% LTV)
until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
£750 Cashback paid to solicitor with advance
Standard Valuation Fee paid by Lender
Minimum Loan £50,000
Repayment Methods:
Capital Repayment
Part & Part (Interest Only element maximum 60% LTV)
until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard legal fees paid by Lender (for remortgagers only)
Standard Valuation Fee paid by Lender
Repayment Methods:
Capital Repayment
Part & Part (Interest Only element maximum 60% LTV)
until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard Valuation Fee paid by Lender
Repayment Methods:
Capital Repayment
Part & Part (Interest Only element maximum 60% LTV)
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
£500 Cashback paid to solicitor with advance
Standard Valuation Fee paid by Lender
Minimum Loan £50,000
Repayment Methods:
Capital Repayment
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
£350 Cashback paid to solicitor with advance
Standard Valuation Fee paid by Lender
Minimum Loan £50,000
Repayment Methods:
Capital Repayment
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard legal fees paid by Lender (for remortgagers only)
Standard Valuation Fee paid by Lender
Repayment Methods:
Capital Repayment
until 30/11/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
£350 Cashback paid to solicitor with advance
Minimum Loan £50,000
Repayment Methods:
Capital Repayment
until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard Valuation Fee paid by Lender
Repayment Methods:
Capital Repayment
until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
£500 Cashback paid to solicitor with advance
Standard Valuation Fee paid by Lender
Minimum Loan £50,000
Repayment Methods:
Capital Repayment
until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard legal fees paid by Lender (for remortgagers only)
Standard Valuation Fee paid by Lender
Repayment Methods:
Capital Repayment
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard Valuation Fee paid by Lender
Repayment Methods:
Capital Repayment
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard legal fees paid by Lender (for remortgagers only)
Standard Valuation Fee paid by Lender
Repayment Methods:
Capital Repayment
until 30/11/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
£500 Cashback paid to solicitor with advance
Standard Valuation Fee paid by Lender
Minimum Loan £50,000
Repayment Methods:
Capital Repayment
until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
Standard legal fees paid by Lender (for remortgagers only)
Standard Valuation Fee paid by Lender
Repayment Methods:
Capital Repayment
until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.74% variable
£500 Cashback paid to solicitor with advance
Standard Valuation Fee paid by Lender
Minimum Loan £50,000
Repayment Methods:
Capital Repayment
which is our Standard Variable Rate for the entire mortgage term
No Additional Features
Repayment Methods:
Capital Repayment
Standard legal fees: if your product states that standard legal fees are paid by the lender, we will pay the fees if you use our nominated solicitors. Additional legal work may incur additional fees, please refer to our lending criteria for full details. Terms and conditions apply.
Interest Only and Part & Part mortgages: Please see our lending criteria for terms and conditions.
We offer personalised underwriting for clients who don’t fit the mould.
Details of BespokeOur website will be temporarily unavailable from 12pm Saturday 4th November until 9am Monday 6th November. We apologise for any inconvenience.