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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 8.04%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 23/01/2024

Further Advance Products

75% LTV | Residential Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.24% Fixed until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% APRC £0 None 3% until 30/06/2025, then 2% until 30/06/2026 AASU
5 years 4.84% Fixed until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.8% APRC £0 None 4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 AASV

90% LTV | Residential Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.79% Fixed until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £0 None 3% until 30/06/2025, then 2% until 30/06/2026 AASW
5 years 5.14% Fixed until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £0 None 4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 AASY

90% LTV | Residential Variable Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 8.04% Variable which is our Standard Variable Rate for the entire mortgage term 8.4% APRC £0 None No Early Redemption Charges. 6G9

90% LTV | First Start Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.79% Fixed until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £0 None 3% until 30/06/2025, then 2% until 30/06/2026 AASZ
5 years 5.14% Fixed until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £0 None 4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 AATA

90% LTV | First Start Variable Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 8.04% Variable which is our Standard Variable Rate for the entire mortgage term 8.4% APRC £0 None No Early Redemption Charges. 6H3

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 6.29% Fixed until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £0 None 3% until 30/06/2025, then 2% until 30/06/2026 AATB
5 years 5.64% Fixed until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.5% APRC £0 None 4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 AATC

75% LTV | Buy to Let Variable 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
Standard Variable rate 8.04% Variable which is our Standard Variable Rate for the entire mortgage term 8.5% APRC £0 None No Early Redemption Charges. 6H8

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 6.29% Fixed until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 8.1% APRC £0 None 3% until 30/06/2025, then 2% until 30/06/2026 AATD
5 years 5.64% Fixed until 30/06/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.3% APRC £0 None 4% until 30/06/2026, then 3% until 30/06/2028, then 2% until 30/06/2029 AATE

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 8.04% Variable which is our Standard Variable Rate for the entire mortgage term 8.4% APRC £0 None No Early Redemption Charges. 3FL

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