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 8.04%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 23/04/2024.
Is the product you’re looking for not showing? It might be withdrawing soon. If it is you'll be able to find it on our Withdrawing products page.
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.19% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £1995 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABRG |
2 years | 5.26% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.7% APRC | £1495 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABRH |
2 years | 5.26% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £1495 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABRJ |
3 years | 5.10% Fixed | until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.5% APRC | £1495 |
|
3% until 30/06/2026, then 2% until 30/06/2027 | ABRK |
5 years | 4.90% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.0% APRC | £1995 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABRL |
5 years | 4.95% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 6.8% APRC | £1495 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABRN |
5 years | 4.95% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.0% APRC | £1495 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABRP |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.29% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.7% APRC | £1495 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABRQ |
2 years | 5.29% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £1495 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABRR |
5 years | 4.98% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 6.8% APRC | £1495 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABRS |
5 years | 4.98% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.0% APRC | £1495 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABRT |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.22% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £1995 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABRU |
2 years | 5.32% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.7% APRC | £1495 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABRV |
2 years | 5.32% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £1495 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABRW |
3 years | 5.15% Fixed | until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.5% APRC | £1495 |
|
3% until 30/06/2026, then 2% until 30/06/2027 | ABRX |
5 years | 4.96% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.0% APRC | £1995 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABRY |
5 years | 5.01% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 6.9% APRC | £1495 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABRZ |
5 years | 5.01% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.1% APRC | £1495 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABSA |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.38% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £1495 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABSB |
5 years | 5.06% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.1% APRC | £1495 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABSC |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.34% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £1995 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABSD |
2 years | 5.44% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £1495 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABSE |
3 years | 5.20% Fixed | until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.5% APRC | £1495 |
|
3% until 30/06/2026, then 2% until 30/06/2027 | ABSG |
5 years | 5.03% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.1% APRC | £1995 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABSH |
5 years | 5.09% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.1% APRC | £1495 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABSJ |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.66% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £0 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABSK |
3 years | 5.44% Fixed | until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.6% APRC | £0 |
|
3% until 30/06/2026, then 2% until 30/06/2027 | ABSN |
5 years | 5.25% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.1% APRC | £0 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABSP |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.66% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £0 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABSQ |
5 years | 5.25% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.1% APRC | £0 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABSR |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.01% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.7% APRC | £3995 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABVK |
2 years | 5.11% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.7% APRC | £2995 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABVN |
2 years | 5.11% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £2995 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABVP |
5 years | 4.90% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 6.9% APRC | £3995 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABVQ |
5 years | 4.95% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 6.9% APRC | £2995 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABVR |
5 years | 4.95% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 6.9% APRC | £2995 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABVS |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.23% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £3995 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABVT |
2 years | 5.36% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £2995 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABVU |
2 years | 5.36% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £2995 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABVV |
5 years | 4.98% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.0% APRC | £3995 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABVW |
5 years | 5.02% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.0% APRC | £2995 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABVX |
5 years | 5.02% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.0% APRC | £2995 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABVY |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.36% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.7% APRC | £1995 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABSS |
5 years | 5.05% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.0% APRC | £1995 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABST |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.44% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.7% APRC | £1995 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABSU |
5 years | 5.10% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.0% APRC | £1995 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABSV |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.48% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £1995 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABSW |
5 years | 5.13% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.0% APRC | £1995 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABSX |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.70% Fixed | until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.8% APRC | £0 |
|
3% until 30/06/2025, then 2% until 30/06/2026 | ABSY |
5 years | 5.30% Fixed | until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable | 7.1% APRC | £0 |
|
4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 | ABSZ |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
Standard Variable rate | 8.04% Variable | which is our Standard Variable Rate for the entire mortgage term | 8.3% APRC | £0 |
|
No Early Redemption Charges. | PQQ |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
Standard Variable rate | 8.04% Variable | which is our Standard Variable Rate for the entire mortgage term | 8.3% APRC | £0 |
|
No Early Redemption Charges. | PQR |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
Standard Variable rate | 8.04% Variable | which is our Standard Variable Rate for the entire mortgage term | 8.3% APRC | £0 |
|
No Early Redemption Charges. | ZZV |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
Standard Variable rate | 8.04% Variable | which is our Standard Variable Rate for the entire mortgage term | 8.3% APRC | £0 |
|
No Early Redemption Charges. | ZZW |