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Further advance

Is your customer looking to borrow more money?

Further advance products

If your customer is looking to borrow more, take a look at our further advance range.

View our products

A further advance could help your customer to borrow more money with us. 

Reasons we accept for borrowing include:

  • Home improvements to the mortgaged property
  • Purchase of freehold interest or extension of a lease (a solicitor will be needed)
  • Debt consolidation to a maximum of 75% LTV (for residential mortgages only).

Our lending criteria look up tool can help you check that your customer meets our general lending and affordability criteria.

If your customer’s transaction requires a solicitor, use our solicitor search tool to check if a solicitor is on our panel.

How does it work?

You can submit standard residential and Buy to Let further advance applications for your customers.  However, if you didn’t introduce their current mortgage, or the mortgage started before June 2014, please call our enquiry line on 0345 266 8928* before giving advice.

You can only apply for a further advance for your customers. No other changes to the mortgage can be made at the same time, for example changes to their existing term or product.

What do you need to do?

  • Check your customer has a mortgage with Bank of Ireland. Your customer may have a Bank of Ireland branded mortgage document, but they may have originally applied through one of our partner brands. Please call us to check on 0345 266 8928*
  • Make sure you’re registered and able to submit business with Bank of Ireland for Intermediaries so we can verify you. Check our distribution page for more information
  • Check that you or your firm introduced their current mortgage after June 2014.

How to apply

Our how to guide contains everything you need to apply for a further advance for your customer. Here's a quick snapshot:

  • Call us to check the brand
  • Check your customer meets our lending and affordability criteria
  • Select a product for your customer
  • Request a Mortgage Illustration
  • Complete and return our further advance application form along with any supporting documents - take a look at our documents we'll need page for more information
  • We'll arrange for the case to be credit scored, underwritten and a valuation instructed if required. For more information on valuations and fees visit our lending criteria lookup tool. Please don't send any fees with the application form, we'll be in touch to collect the fee from your customer
  • We'll post a copy of the offer to you and your customer within 20 working days
  • The offer is valid for six months. Your customer will need to sign and return the offer within 21 days to secure the rate.

Further advance downloads

Further advance how to guide

Further advance application form

Mortgage Illustration request form

Further advance products

If your customer is looking to borrow more, take a look at our further advance range.

View our products

Change to your customers’ mortgage payment


Following the Bank of England Base Rate (BBR) change announced on 11th March, if your customers have a mortgage with us that’s on our Standard Variable Rate or is linked to the BBR, their monthly payment will change from 1st of April 2020. They should have received a letter from us by now telling them how much their new monthly payment will be. We’ll write to them by 9th April if the BBR cut announced on 18th March also affects them.