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Intermediary use only

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.

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 4.09%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid).

Bespoke New Business – correct as of 03/06/2021
Bespoke Large Loans New Business – correct as of 12/05/2021
Bespoke Further Advances – correct as of 14/01/2021
Bespoke Product Transfers – correct as of 02/06/2021

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 1.79% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% 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 31/08/2022, then 2% until 31/08/2023 Z6J
5 yrs 2.16% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z6K
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 1.89% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% 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 31/08/2022, then 2% until 31/08/2023 Z6L
5 yrs 2.16% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z6M
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 1.97% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% 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 31/08/2022, then 2% until 31/08/2023 Z6N
5 yrs 2.16% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z6P
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 2.65% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% 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 31/08/2022, then 2% until 31/08/2023 Z9P
5 yrs 2.90% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% 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
4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z9Q
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 2.65% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% 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 31/08/2022, then 2% until 31/08/2023 Z9R
5 yrs 2.90% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% 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
4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z9S
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 3.45% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
3% until 31/08/2022, then 2% until 31/08/2023 Z9T
5 yrs 3.68% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z9U
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 1.95% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% 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 31/08/2022, then 2% until 31/08/2023 Z6W
5 yrs 2.30% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z6X
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 3.02% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% 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 31/08/2022, then 2% until 31/08/2023 Z6Y
5 yrs 3.12% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z6Z
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 3.19% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% 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 31/08/2022, then 2% until 31/08/2023 Z7A
5 yrs 3.37% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z7B
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 3.71% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% 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 31/08/2022, then 2% until 31/08/2023 Z7C
5 yrs 3.85% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z7D
75% LTV | Bespoke 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 3.11% Fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.6% APRC £0 None 3% until 30/06/2022, then 2% until 30/06/2023 N4Z
5 yrs 3.23% Fixed until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.4% APRC £0 None 4% until 30/06/2023, then 3% until 30/06/2025, then 2% until 30/06/2026 N5A
90% LTV | Bespoke 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 3.72% Fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £0 None 3% until 30/06/2022, then 2% until 30/06/2023 R4F
5 yrs 3.80% Fixed until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.6% APRC £0 None 4% until 30/06/2023, then 3% until 30/06/2025, then 2% until 30/06/2026 R4G
90% LTV | Bespoke 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 4.09% Variable which is our Standard Variable Rate for the entire mortgage term 4.3% APRC £0 None No Early Redemption Charges. T9S
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 1.87% Fixed until 30/09/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £1495 None 3% until 30/09/2022, then 2% until 30/09/2023 Z8K
5 yrs 2.26% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.4% APRC £1495 None 4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 Z8L
5 yrs 2.64% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% APRC £495 None 4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 Z8M
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 2.05% Fixed until 30/09/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £1495 None 3% until 30/09/2022, then 2% until 30/09/2023 Z8N
5 yrs 2.29% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.4% APRC £1495 None 4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 Z8P
5 yrs 2.65% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% APRC £495 None 4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 Z8Q
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 2.86% Fixed until 30/09/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £1495 None 3% until 30/09/2022, then 2% until 30/09/2023 Z8R
5 yrs 3.06% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £1495 None 4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 Z8S
5 yrs 3.44% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £495 None 4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 Z8T
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 3.71% Fixed until 30/09/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 3% until 30/09/2022, then 2% until 30/09/2023 Z8U
5 yrs 3.79% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0 None 4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 Z8V
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 30/09/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 3% until 30/09/2022, then 2% until 30/09/2023 Z8W
5 yrs 3.99% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 Z8X
Standard Variable rate 4.09% Variable

which is our Standard Variable Rate for the entire mortgage term

4.2% APRC £0

None

No Early Redemption Charges. Y4G

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