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.

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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 6.94%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 24/07/2026.

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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	4.48% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.7% APRC	£1995	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 31/10/2027, then 2% until 31/10/2028	ANWW
2 years	4.64% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 £300 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 31/10/2027, then 2% until 31/10/2028	ANWX
5 years	4.78% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.2% APRC	£1995	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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANWY
5 years	4.87% Fixed	until 31/10/2031 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 £300 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANWZ

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	4.52% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.7% APRC	£1995	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 31/10/2027, then 2% until 31/10/2028	ANMG
2 years	4.69% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 £300 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 31/10/2027, then 2% until 31/10/2028	ANMH
5 years	4.84% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.2% APRC	£1995	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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXA
5 years	4.92% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.3% APRC	£995	Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C £300 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXB

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	4.59% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.7% APRC	£1995	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 31/10/2027, then 2% until 31/10/2028	ANXC
2 years	4.70% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 31/10/2027, then 2% until 31/10/2028	ANXD
5 years	4.82% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXE
5 years	4.87% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXG

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	4.64% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.7% APRC	£1995	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 31/10/2027, then 2% until 31/10/2028	ANMR
2 years	4.75% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 31/10/2027, then 2% until 31/10/2028	ANMS
5 years	4.87% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXH
5 years	4.92% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXJ

60% LTV | Buy to Let 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	4.69% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 31/10/2027, then 2% until 31/10/2028	ANXK
2 years	5.14% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.7% APRC	£0	£300 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 31/10/2027, then 2% until 31/10/2028	ANXL
3 years	4.78% Fixed	until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.5% APRC	£995	£300 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 31/10/2028, then 2% until 31/10/2029	ANMX
5 years	4.92% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXN
5 years	5.08% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.3% APRC	£0	£300 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXP

75% LTV | Buy to Let 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	4.74% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.7% APRC	£995	£300 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 31/10/2027, then 2% until 31/10/2028	ANNA
2 years	4.98% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.7% APRC	£0	Standard Valuation Fee Paid by Lender Repayment Methods: Interest Only, Part & Part, Capital Repayment	3% until 31/10/2027, then 2% until 31/10/2028	ANNB
3 years	4.88% Fixed	until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.6% APRC	£995	£300 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 31/10/2028, then 2% until 31/10/2029	ANNC
5 years	4.97% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXQ
5 years	5.07% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.2% APRC	£0	Standard Valuation Fee Paid by Lender Repayment Methods: Interest Only, Part & Part, Capital Repayment	4% until 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXR

60% LTV | Buy to Let 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	4.74% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 31/10/2027, then 2% until 31/10/2028	ANXS
2 years	4.79% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.7% APRC	£995	£300 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 31/10/2027, then 2% until 31/10/2028	ANXT
3 years	4.82% Fixed	until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.5% APRC	£995	£300 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 31/10/2028, then 2% until 31/10/2029	ANNJ
5 years	4.92% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.2% APRC	£1995	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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXU
5 years	4.95% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.3% APRC	£1495	£300 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXV

75% LTV | Buy to Let 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	4.74% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 31/10/2027, then 2% until 31/10/2028	ANNN
2 years	4.79% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.7% APRC	£995	£300 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 31/10/2027, then 2% until 31/10/2028	ANNP
2 years	4.92% Fixed	until 31/10/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% 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 31/10/2027, then 2% until 31/10/2028	ANNQ
3 years	4.92% Fixed	until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.6% APRC	£995	£300 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 31/10/2028, then 2% until 31/10/2029	ANNR
5 years	4.96% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.3% APRC	£1995	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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXW
5 years	5.00% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.3% APRC	£1495	£300 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXX
5 years	5.02% Fixed	until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.3% APRC	£995	£300 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031	ANXY

Energy Efficient Buy to Let Mortgages

Energy Efficient Buy to Let mortgages are now available for purchases and remortgages with exclusive rates for properties with energy performance ratings of A to C.

Find out more