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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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Find your BDM

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 02/08/2022
Bespoke Further Advances – correct as of 21/06/2022
Bespoke Product Transfers – correct as of 30/06/2022

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 3.83% 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
  • £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 31/10/2023, 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
  • £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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CL
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 3.85% 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
  • £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 31/10/2023, 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
  • £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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CN
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 3.87% 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
  • £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 31/10/2023, 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
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 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
  • £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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CR
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 3.89% 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
  • £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 31/10/2023, 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
  • £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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CT
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 3.89% 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
  • £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 31/10/2023, 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
  • £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 31/10/2023, 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
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 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
  • £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 31/10/2024, 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
  • £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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CY
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 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
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 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
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5DA
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 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
  • 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 31/10/2023, 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
  • 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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5DC
75% LTV | Bespoke Large Loans Fixed Rates Print products
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
  • Minimum Loan £750,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 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
  • Minimum Loan £750,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5DE
80% LTV | Bespoke Large Loans Fixed Rates Print products
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
  • Minimum Loan £750,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 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
  • Minimum Loan £750,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5DG
85% LTV | Bespoke Large Loans Fixed Rates Print products
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
  • Minimum Loan £750,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 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
  • Minimum Loan £750,000
  • Maximum Loan £1,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5DJ
90% LTV | Bespoke Large Loans Fixed Rates Print products
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
  • Minimum Loan £750,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 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
  • Minimum Loan £750,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 50% LTV)
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5DL
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 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
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 3.69% 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
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 30/09/2024 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
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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