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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 02/09/2025.

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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 30/09/2027 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 30/09/2026, then 2% until 30/09/2027 AHWX
2 years 4.34% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% 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 30/09/2026, then 2% until 30/09/2027 AHWY
2 years 4.47% Fixed until 30/09/2027 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 30/09/2026, then 2% until 30/09/2027 AHWZ
5 years 4.46% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHXA
5 years 4.53% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHXB
5 years 4.58% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHXC

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 30/09/2027 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 30/09/2026, then 2% until 30/09/2027 AHXD
2 years 4.50% Fixed until 30/09/2027 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 30/09/2026, then 2% until 30/09/2027 AHXE
3 years 4.45% Fixed until 30/09/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.6% 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 30/09/2027, then 2% until 30/09/2028 AHLJ
3 years 4.63% Fixed until 30/09/2028 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 30/09/2027, then 2% until 30/09/2028 AHLK
5 years 4.52% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHXG
5 years 4.62% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHXH

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 4.29% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.9% 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
 3% until 30/09/2026, then 2% until 30/09/2027 AHXJ
2 years 4.34% Fixed until 30/09/2027 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 30/09/2026, then 2% until 30/09/2027 AHXK
5 years 4.45% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHXL
5 years 4.50% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHXN

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 4.35% Fixed until 30/09/2027 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 30/09/2026, then 2% until 30/09/2027 AHXP
2 years 4.40% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.9% 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 30/09/2026, then 2% until 30/09/2027 AHXQ
5 years 4.55% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHXR
5 years 4.60% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.3% 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHXS

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 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.9% 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 30/09/2026, then 2% until 30/09/2027 AHXT
2 years 4.39% Fixed until 30/09/2027 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 30/09/2026, then 2% until 30/09/2027 AHXU
2 years 4.52% Fixed until 30/09/2027 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 30/09/2026, then 2% until 30/09/2027 AHXV
3 years 4.54% Fixed until 30/09/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.6% 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 30/09/2027, then 2% until 30/09/2028 AHMA
5 years 4.51% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHXW
5 years 4.58% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHXX
5 years 4.63% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHXY

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 30/09/2027 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 30/09/2026, then 2% until 30/09/2027 AHXZ
2 years 4.30% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.9% 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 30/09/2026, then 2% until 30/09/2027 AHYA
2 years 4.44% Fixed until 30/09/2027 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 30/09/2026, then 2% until 30/09/2027 AHYB
2 years 4.55% Fixed until 30/09/2027 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 30/09/2026, then 2% until 30/09/2027 AHYC
3 years 4.50% Fixed until 30/09/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.6% 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 30/09/2027, then 2% until 30/09/2028 AHMK
3 years 4.59% Fixed until 30/09/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.6% 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 30/09/2027, then 2% until 30/09/2028 AHMN
3 years 4.68% Fixed until 30/09/2028 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 30/09/2027, then 2% until 30/09/2028 AHMP
5 years 4.57% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHYD
5 years 4.62% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHYE
5 years 4.67% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHYG

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 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.9% 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 30/09/2026, then 2% until 30/09/2027 AHYH
2 years 4.39% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.9% 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
 3% until 30/09/2026, then 2% until 30/09/2027 AHYJ
5 years 4.50% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHYK
5 years 4.55% Fixed until 30/09/2030 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHYL

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 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.9% 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 30/09/2026, then 2% until 30/09/2027 AHYN
2 years 4.40% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.9% 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 30/09/2026, then 2% until 30/09/2027 AHYP
2 years 4.54% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.9% 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
 3% until 30/09/2026, then 2% until 30/09/2027 AHYQ
5 years 4.55% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.3% 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHYR
5 years 4.60% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.3% 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHYS
5 years 4.65% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.3% 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 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHYT

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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