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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 19/09/2025.

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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 4.20% Fixed until 31/12/2027 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 31/12/2026, then 2% until 31/12/2027 AJTH
2 years 4.34% Fixed until 31/12/2027 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 31/12/2026, then 2% until 31/12/2027 AJTJ
2 years 4.47% Fixed until 31/12/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% 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 31/12/2026, then 2% until 31/12/2027 AJTK
5 years 4.49% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJTL
5 years 4.54% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJTN
5 years 4.59% Fixed until 31/12/2030 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJTP

75% 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 4.25% Fixed until 31/12/2027 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 31/12/2026, then 2% until 31/12/2027 AJTQ
2 years 4.50% Fixed until 31/12/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% 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 31/12/2026, then 2% until 31/12/2027 AJTR
3 years 4.45% Fixed until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.5% 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 31/12/2027, then 2% until 31/12/2028 AJTS
3 years 4.63% Fixed until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.6% 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 31/12/2027, then 2% until 31/12/2028 AJTT
5 years 4.54% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJTU
5 years 4.64% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJTV

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

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.29% Fixed until 31/12/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% 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 31/12/2026, then 2% until 31/12/2027 AJTW
2 years 4.34% Fixed until 31/12/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% 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 31/12/2026, then 2% until 31/12/2027 AJTX
5 years 4.46% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJTY
5 years 4.51% Fixed until 31/12/2030 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJTZ

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

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.35% Fixed until 31/12/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% 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 31/12/2026, then 2% until 31/12/2027 AJUA
2 years 4.40% Fixed until 31/12/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% 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 31/12/2026, then 2% until 31/12/2027 AJUB
5 years 4.56% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJUC
5 years 4.57% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJUD

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 4.25% Fixed until 31/12/2027 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 31/12/2026, then 2% until 31/12/2027 AJUE
2 years 4.39% Fixed until 31/12/2027 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 31/12/2026, then 2% until 31/12/2027 AJUG
2 years 4.52% Fixed until 31/12/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/12/2026, then 2% until 31/12/2027 AJUH
3 years 4.54% Fixed until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.5% 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 31/12/2027, then 2% until 31/12/2028 AJUJ
5 years 4.54% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJUK
5 years 4.59% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJUL
5 years 4.64% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJUN

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 4.30% Fixed until 31/12/2027 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 31/12/2026, then 2% until 31/12/2027 AJUP
2 years 4.30% Fixed until 31/12/2027 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 31/12/2026, then 2% until 31/12/2027 AJUQ
2 years 4.44% Fixed until 31/12/2027 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 31/12/2026, then 2% until 31/12/2027 AJUR
2 years 4.55% Fixed until 31/12/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/12/2026, then 2% until 31/12/2027 AJUS
3 years 4.50% Fixed until 31/12/2028 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 31/12/2027, then 2% until 31/12/2028 AJUT
3 years 4.59% Fixed until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.5% 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 31/12/2027, then 2% until 31/12/2028 AJUU
3 years 4.68% Fixed until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/12/2027, then 2% until 31/12/2028 AJUV
5 years 4.59% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJUW
5 years 4.64% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJUX
5 years 4.69% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJUY

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 4.34% Fixed until 31/12/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% 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 31/12/2026, then 2% until 31/12/2027 AJUZ
2 years 4.39% Fixed until 31/12/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% 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 31/12/2026, then 2% until 31/12/2027 AJVA
5 years 4.51% Fixed until 31/12/2030 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJVB
5 years 4.56% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJVC

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 4.34% Fixed until 31/12/2027 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 31/12/2026, then 2% until 31/12/2027 AJVD
2 years 4.40% Fixed until 31/12/2027 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 31/12/2026, then 2% until 31/12/2027 AJVE
2 years 4.54% Fixed until 31/12/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% 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 31/12/2026, then 2% until 31/12/2027 AJVG
5 years 4.56% Fixed until 31/12/2030 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJVH
5 years 4.57% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJVJ
5 years 4.60% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% 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 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJVK

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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