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 ÂŁ195 (due on completion, but can be deferred until mortgage is fully repaid).
Bespoke New Business – correct as of 02/08/2022
Bespoke Further Advances – correct as of 21/06/2022
Bespoke Product Transfers – correct as of 30/06/2022
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 3.83% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.9% APRC | £1495 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5CK |
5 yrs | 3.89% Fixed | until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.7% APRC | £1495 |
|
4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 | 5CL |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 3.85% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.9% APRC | £1495 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5CM |
5 yrs | 3.89% Fixed | until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.7% APRC | £1495 |
|
4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 | 5CN |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 3.87% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.9% APRC | £1495 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5CP |
2 yrs | 4.12% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 5.0% APRC | £0 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5CQ |
5 yrs | 3.89% Fixed | until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.7% APRC | £1495 |
|
4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 | 5CR |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 3.89% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.9% APRC | £1495 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5CS |
5 yrs | 3.91% Fixed | until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.7% APRC | £1495 |
|
4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 | 5CT |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 3.89% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.9% APRC | £1495 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5CU |
2 yrs | 3.94% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.9% APRC | £995 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5CV |
2 yrs | 4.23% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 5.0% APRC | £0 |
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3% until 31/10/2023, then 2% until 31/10/2024 | 5CW |
5 yrs | 3.91% Fixed | until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.7% APRC | £1495 |
|
4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 | 5CX |
5 yrs | 3.94% Fixed | until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.7% APRC | £995 |
|
4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 | 5CY |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 4.04% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.9% APRC | £0 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5CZ |
5 yrs | 4.04% Fixed | until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.7% APRC | £0 |
|
4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 | 5DA |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 4.14% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.9% APRC | £0 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5DB |
5 yrs | 4.14% Fixed | until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.8% APRC | £0 |
|
4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 | 5DC |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 4.12% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 5.0% APRC | £1995 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5DD |
5 yrs | 4.14% Fixed | until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.8% APRC | £1995 |
|
4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 | 5DE |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 4.16% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 5.0% APRC | £1995 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5DF |
5 yrs | 4.18% Fixed | until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.8% APRC | £1995 |
|
4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 | 5DG |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 4.19% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 5.0% APRC | £1995 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5DH |
5 yrs | 4.21% Fixed | until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.8% APRC | £1995 |
|
4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 | 5DJ |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 4.39% Fixed | until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 5.0% APRC | £0 |
|
3% until 31/10/2023, then 2% until 31/10/2024 | 5DK |
5 yrs | 4.44% Fixed | until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.9% APRC | £0 |
|
4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 | 5DL |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 3.54% Fixed | until 30/09/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.8% APRC | £1495 | None | 3% until 30/09/2023, then 2% until 30/09/2024 | 4UP |
5 yrs | 3.76% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable | 4.6% APRC | £1495 | None | 4% until 30/09/2024, then 3% until 30/09/2026, then 2% until 30/09/2027 | 4UQ |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 3.69% Fixed | until 30/09/2024 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 30/09/2023, then 2% until 30/09/2024 | 4UR |
5 yrs | 3.89% Fixed | until 30/09/2027 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 30/09/2024, then 3% until 30/09/2026, then 2% until 30/09/2027 | 4US |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 yrs | 3.89% Fixed | until 30/09/2024 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 30/09/2023, then 2% until 30/09/2024 | 4LZ |
5 yrs | 3.99% Fixed | until 30/09/2027 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 30/09/2024, then 3% until 30/09/2026, then 2% until 30/09/2027 | 4MA |
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 |
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 |