Further Advance Products
If your client is looking to borrow more money on top of their existing mortgage, you'll find all our further advance products below.
These products are only available to existing clients. A further advance can be taken if your client has a standard Residential or Buy to Let mortgage with us. If you didn't introduce your client's current mortgage, or the mortgage started before June 2014, please get in touch with us before giving advice.
Other restrictions apply, please also check our further advance process and lending criteria.
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 05/10/2026.
75% LTV | Residential Fixed Rates
Print products| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.64% Fixed | until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.9% APRC | £0 | None | 3% until 29/02/2028, then 2% until 28/02/2029 | AQDJ |
| 5 years | 5.59% Fixed | until 29/02/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £0 | None | 4% until 28/02/2029, then 3% until 28/02/2031, then 2% until 29/02/2032 | AQDK |
90% LTV | Residential Fixed Rates
Print products| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.79% Fixed | until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.9% APRC | £0 | None | 3% until 29/02/2028, then 2% until 28/02/2029 | AQDL |
| 5 years | 5.69% Fixed | until 29/02/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £0 | None | 4% until 28/02/2029, then 3% until 28/02/2031, then 2% until 29/02/2032 | AQDN |
90% LTV | Residential Variable Rates
Print products| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| Standard Variable rate | 6.94% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.3% APRC | £0 | None | No Early Redemption Charges. | 6G9 |
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 | 5.74% Fixed | until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £0 | None | 3% until 29/02/2028, then 2% until 28/02/2029 | AQDR |
| 5 years | 5.75% Fixed | until 29/02/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.5% APRC | £0 | None | 4% until 28/02/2029, then 3% until 28/02/2031, then 2% until 29/02/2032 | AQDS |
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 | 5.85% Fixed | until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.9% APRC | £0 | None | 3% until 29/02/2028, then 2% until 28/02/2029 | AQDT |
| 5 years | 5.89% Fixed | until 29/02/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £0 | None | 4% until 28/02/2029, then 3% until 28/02/2031, then 2% until 29/02/2032 | AQDU |
75% LTV | Buy to Let Variable 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 |
|---|---|---|---|---|---|---|---|
| Standard Variable rate | 6.94% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.3% APRC | £0 | None | No Early Redemption Charges. | 6H8 |
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 | 5.74% Fixed | until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 7.0% APRC | £0 | None | 3% until 29/02/2028, then 2% until 28/02/2029 | AQDV |
| 5 years | 5.75% Fixed | until 29/02/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.7% APRC | £0 | None | 4% until 28/02/2029, then 3% until 28/02/2031, then 2% until 29/02/2032 | AQDW |
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 | 5.85% Fixed | until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 7.0% APRC | £0 | None | 3% until 29/02/2028, then 2% until 28/02/2029 | AQDX |
| 5 years | 5.89% Fixed | until 29/02/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £0 | None | 4% until 28/02/2029, then 3% until 28/02/2031, then 2% until 29/02/2032 | AQDY |
75% LTV | Buy to Let Variable Rates | Top Slicing
Print products| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| Standard Variable rate | 6.94% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.3% APRC | £0 | None | No Early Redemption Charges. | 3FL |
75% LTV | Bespoke Residential Fixed Rates
Print products| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.64% Fixed | until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.9% APRC | £0 | None | 3% until 29/02/2028, then 2% until 28/02/2029 | AQDZ |
| 5 years | 5.59% Fixed | until 29/02/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £0 | None | 4% until 28/02/2029, then 3% until 28/02/2031, then 2% until 29/02/2032 | AQEA |
90% LTV | Bespoke Residential Fixed Rates
Print products| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.79% Fixed | until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.9% APRC | £0 | None | 3% until 29/02/2028, then 2% until 28/02/2029 | AQEB |
| 5 years | 5.69% Fixed | until 29/02/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £0 | None | 4% until 28/02/2029, then 3% until 28/02/2031, then 2% until 29/02/2032 | AQEC |
90% LTV | Bespoke Residential Variable Rates
Print products| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| Standard Variable rate | 6.94% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.2% APRC | £0 | None | No Early Redemption Charges. | T9S |
90% LTV | Joint Borrower Sole Proprietor / First Start Fixed Rates
Print products| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.79% Fixed | until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.9% APRC | £0 | None | 3% until 29/02/2028, then 2% until 28/02/2029 | AQDP |
| 5 years | 5.69% Fixed | until 29/02/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £0 | None | 4% until 28/02/2029, then 3% until 28/02/2031, then 2% until 29/02/2032 | AQDQ |
90% LTV | Joint Borower Sole Proprietor / First Start Variable Rates
Print products| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| Standard Variable rate | 6.94% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.2% APRC | £0 | None | No Early Redemption Charges. | 6H3 |