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We’re undertaking some maintenance to our systems on Sunday, 8 June 2025. Our online application system will be unavailable from 8am to 4pm.

New Business 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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We offer a range of Residential and 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 7.44%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 06/06/2025.

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New Business Products

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 4.29% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHND
2 years 4.45% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHNE
3 years 4.34% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHD
3 years 4.45% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHE

80% LTV | Residential Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
3 years 4.44% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHG
3 years 4.58% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £0
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHH

80% 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 4.39% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.1% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHNH
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 7.44% variable 7.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHNJ
3 years 4.39% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHJ
3 years 4.46% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHK
3 years 4.62% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHL

85% LTV | Residential Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
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 7.44% variable 7.1% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHNN
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 7.44% variable 7.1% APRC £0
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHNP
3 years 4.52% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHN
3 years 4.60% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £0
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHP
5 years 4.49% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHNS
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 7.44% variable 6.4% APRC £0
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHNT
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 7.44% variable 6.5% APRC £995
  • £3,000 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £250,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHQE

85% 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 4.29% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.1% APRC £1495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHNU
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 7.44% variable 7.1% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHNV
2 years 4.49% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.1% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHNW
2 years 4.64% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHNX
3 years 4.47% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £1495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHQ
3 years 4.55% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHR
3 years 4.58% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHS
3 years 4.74% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHT
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 7.44% variable 6.5% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHPC
5 years 4.47% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHPD
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 7.44% variable 6.4% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHPE
5 years 4.59% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHPG
7 years 4.59% Fixed until 30/09/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.2% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2029, then 3% until 30/09/2031, then 2% until 30/09/2032 AHPH

89% LTV | Residential Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
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 7.44% variable 7.1% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHPJ
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 7.44% variable 7.1% APRC £995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHPK

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 4.59% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHPN
2 years 4.75% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.1% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHPP
3 years 4.76% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHU
3 years 4.83% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHV
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 7.44% variable 6.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHPS
5 years 4.69% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.5% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHPT
7 years 4.70% Fixed until 30/09/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.2% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/09/2029, then 3% until 30/09/2031, then 2% until 30/09/2032 AHPU

90% LTV | Residential Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.80% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.5% APRC £0
  • £1,500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHQG
5 years 4.80% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.5% APRC £0
  • £3,000 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £250,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHQH

95% LTV | Residential Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.14% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.2% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHPV
2 years 5.29% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.2% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/09/2026, then 2% until 30/09/2027 AHPW
3 years 5.06% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHW
3 years 5.17% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.1% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHX
5 years 4.99% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHPZ
5 years 5.08% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.7% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHQA
5 years 5.25% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.7% APRC £0
  • £1,500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHQJ
5 years 5.25% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.7% APRC £0
  • £3,000 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £250,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHQK

85% 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 7.44% Variable which is our Standard Variable Rate for the entire mortgage term 7.7% APRC £0 Repayment Methods: Capital Repayment No Early Redemption Charges. MTX

85% LTV | First Start Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
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 7.44% variable 6.4% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHQB

90% LTV | First Start Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.80% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHQC

95% LTV | First Start Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 5.19% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 AHQD

60% LTV | Buy to Let Energy Efficient 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 4.32% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% 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
  • 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 AHKZ
2 years 4.45% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% 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 AHLA
2 years 4.58% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHLB
5 years 4.56% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% 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
  • 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 AHLC
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 7.44% variable 6.2% 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 AHLD
5 years 4.68% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.3% 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 AHLE

75% LTV | Buy to Let Energy Efficient 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 4.37% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHLG
2 years 4.62% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHLH
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 7.44% 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 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 7.44% variable 6.7% 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 4.62% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% 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
  • 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 AHLL
5 years 4.72% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.3% 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 AHLN

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 4.40% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHLP
2 years 4.45% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHLQ
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 7.44% variable 6.4% 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 AHLR
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 7.44% 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
  • 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 AHLS

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 4.47% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHLT
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 7.44% variable 7.0% 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 AHLU
5 years 4.68% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% 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 AHLV
5 years 4.73% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% 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 AHLW

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 4.37% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHLX
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 7.44% variable 7.0% 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 AHLY
2 years 4.63% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHLZ
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 7.44% 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 30/09/2027, then 2% until 30/09/2028 AHMA
5 years 4.61% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.3% 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 AHMB
5 years 4.68% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.3% 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 AHMC
5 years 4.73% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.3% 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 AHMD

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 4.42% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHME
2 years 4.42% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHMG
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 7.44% variable 7.0% 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 AHMH
2 years 4.67% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHMJ
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 7.44% 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 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 7.44% 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 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 7.44% variable 6.7% 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 4.67% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.3% 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 AHMQ
5 years 4.72% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.3% 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 AHMR
5 years 4.77% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.3% 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 AHMS

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 4.45% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHMT
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 7.44% variable 7.0% 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 AHMU
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 7.44% variable 6.4% 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 AHMV
5 years 4.68% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% 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 AHMW

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 4.45% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.1% 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 AHMX
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 7.44% variable 7.0% 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 AHMY
2 years 4.65% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% 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 AHMZ
5 years 4.68% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% 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 AHNA
5 years 4.73% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% 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 AHNB
5 years 4.78% Fixed until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% 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 AHNC

Buy to Let Top Slicing now available

Boost your client’s borrowing power with:

  • loan sizes up to £750,000
  • a minimum 100% rental income cover
  • 5+ year products stress rate: The higher of 4.5% or product pay rate +1%
Find out more about Buy to Let
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