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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.

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 6.94%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 13/02/2026.

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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 3.90% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 30/06/2027, then 2% until 30/06/2028 AKYU
2 years 4.05% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% 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 30/06/2027, then 2% until 30/06/2028 AKYV
2 years 4.17% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 30/06/2027, then 2% until 30/06/2028 AKYW
5 years 4.34% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 5.9% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AKYX
5 years 4.39% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 5.9% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AKYY
5 years 4.44% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.0% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AKYZ

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 3.95% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 30/06/2027, then 2% until 30/06/2028 AKZA
2 years 4.20% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 30/06/2027, then 2% until 30/06/2028 AKZB
3 years 4.14% Fixed until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.2% 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 30/06/2028, then 2% until 30/06/2029 AKZC
3 years 4.32% Fixed until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% 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 30/06/2028, then 2% until 30/06/2029 AKZD
5 years 4.39% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 5.9% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AKZE
5 years 4.49% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.0% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AKZG

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 3.99% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% 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 30/06/2027, then 2% until 30/06/2028 AKZH
2 years 4.04% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 30/06/2027, then 2% until 30/06/2028 AKZJ
5 years 4.32% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 5.9% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AKZK
5 years 4.37% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 5.9% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AKZL

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 4.05% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 30/06/2027, then 2% until 30/06/2028 AKZN
2 years 4.10% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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
  • £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 30/06/2027, then 2% until 30/06/2028 AKZP
5 years 4.42% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 5.9% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AKZQ
5 years 4.44% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 5.8% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AKZR

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 3.95% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% 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 30/06/2027, then 2% until 30/06/2028 AKZS
2 years 4.10% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 30/06/2027, then 2% until 30/06/2028 AKZT
2 years 4.22% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AKZU
3 years 4.22% Fixed until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.2% 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 30/06/2028, then 2% until 30/06/2029 AKZV
5 years 4.39% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 5.9% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AKZW
5 years 4.44% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 5.9% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AKZX
5 years 4.49% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AKZY

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 4.00% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 30/06/2027, then 2% until 30/06/2028 AKZZ
2 years 4.00% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% 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 30/06/2027, then 2% until 30/06/2028 ALAA
2 years 4.15% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 30/06/2027, then 2% until 30/06/2028 ALAB
2 years 4.25% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 ALAC
3 years 4.19% Fixed until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% 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 30/06/2028, then 2% until 30/06/2029 ALAD
3 years 4.29% Fixed until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% 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 30/06/2028, then 2% until 30/06/2029 ALAE
3 years 4.37% Fixed until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 30/06/2028, then 2% until 30/06/2029 ALAG
5 years 4.44% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 5.9% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALAH
5 years 4.49% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 5.9% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALAJ
5 years 4.54% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALAK

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 4.04% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% 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 30/06/2027, then 2% until 30/06/2028 ALAL
2 years 4.09% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 30/06/2027, then 2% until 30/06/2028 ALAN
5 years 4.37% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.0% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALAP
5 years 4.42% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.0% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALAQ

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 4.04% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% 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 30/06/2027, then 2% until 30/06/2028 ALAR
2 years 4.10% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% 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 30/06/2027, then 2% until 30/06/2028 ALAS
2 years 4.20% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 30/06/2027, then 2% until 30/06/2028 ALAT
5 years 4.42% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.0% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALAU
5 years 4.44% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.0% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALAV
5 years 4.46% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.0% 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 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALAW

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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