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Buy to Let Products

Find the right products to suit your clients’ needs. For existing mortgage customers, see our product transfer and further advance product pages.

  • Buy to Let calculator
  • Buy to Let Top Slicing
  • Buy to Let lending criteria
  • Energy Efficient Buy to Let

We offer a range of Buy to Let mortgages, giving your clients greater choice. Use the filters below to find the right product for your client.

The Bank of Ireland Standard Variable Rate is currently 7.19%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 31/10/2025.

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Buy to Let products

60% LTV | Buy to Let Energy Efficient Fixed Rates | ICR (Interest Cover Ratio)

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.10% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKAW
2 years 4.24% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKAX
2 years 4.37% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £0
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKAY
5 years 4.37% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKAZ
5 years 4.42% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKBA
5 years 4.47% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £0
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKBB

75% LTV | Buy to Let Energy Efficient Fixed Rates | ICR (Interest Cover Ratio)

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.15% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKBC
2 years 4.40% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £0
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKBD
3 years 4.30% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.4% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 29/02/2028, then 2% until 28/02/2029 AKBE
3 years 4.48% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.5% APRC £0
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 29/02/2028, then 2% until 28/02/2029 AKBG
5 years 4.42% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKBH
5 years 4.52% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £0
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKBJ

60% LTV | Buy to Let Energy Efficient Fixed Rates | Top Slicing

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.19% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £1495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKBK
2 years 4.24% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKBL
5 years 4.35% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £2495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKBN
5 years 4.40% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £1495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKBP

75% LTV | Buy to Let Energy Efficient Fixed Rates | Top Slicing

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.25% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKBQ
2 years 4.30% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • £500 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 28/02/2027, then 2% until 29/02/2028 AKBR
5 years 4.45% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £1495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKBS
5 years 4.46% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £1495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • £500 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 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKBT

60% LTV | Buy to Let Fixed Rates | ICR (Interest Cover Ratio)

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.15% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% APRC £995
  • £250 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 28/02/2027, then 2% until 29/02/2028 AKBU
2 years 4.29% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKBV
2 years 4.42% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKBW
3 years 4.39% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.4% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 29/02/2028, then 2% until 28/02/2029 AKBX
5 years 4.42% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKBY
5 years 4.47% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKBZ
5 years 4.52% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKCA

75% LTV | Buy to Let Fixed Rates | ICR (Interest Cover Ratio)

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.20% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKCB
2 years 4.20% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% APRC £995
  • £250 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 28/02/2027, then 2% until 29/02/2028 AKCC
2 years 4.34% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKCD
2 years 4.45% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKCE
3 years 4.35% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.5% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 29/02/2028, then 2% until 28/02/2029 AKCG
3 years 4.44% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.4% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 29/02/2028, then 2% until 28/02/2029 AKCH
3 years 4.53% Fixed until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 29/02/2028, then 2% until 28/02/2029 AKCJ
5 years 4.47% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKCK
5 years 4.52% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKCL
5 years 4.57% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKCN

60% LTV | Buy to Let Fixed Rates | Top Slicing

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.24% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKCP
2 years 4.29% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKCQ
5 years 4.40% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £2495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKCR
5 years 4.45% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKCS

75% LTV | Buy to Let Fixed Rates | Top Slicing

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.24% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% APRC £1995
  • £250 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 28/02/2027, then 2% until 29/02/2028 AKCT
2 years 4.30% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £995
  • £250 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 28/02/2027, then 2% until 29/02/2028 AKCU
2 years 4.44% Fixed until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 28/02/2027, then 2% until 29/02/2028 AKCV
5 years 4.45% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% APRC £2495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKCW
5 years 4.46% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £1495
  • £250 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 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKCX
5 years 4.49% Fixed until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £995
  • £250 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 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031 AKCY

Exclusive rates for Energy Efficient Buy to Lets

Energy Efficient Buy to Let mortgages are now available with exclusive rates for properties with energy performance ratings A or B.

  • Purchases and remortgages
  • ICR and Top Slicing
See our Energy Efficient mortgages
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