Alert Icon

Intermediary use only

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.

Quick Links

Find your BDM

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 4.99%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 24/05/2022.

Is the product you’re looking for not showing? It might be withdrawing soon. If it is you'll be able to find it on our Withdrawing products page.

 

New Business Products
70% 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 yrs 2.99% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4GE
5 yrs 2.99% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.4% APRC £495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4GF
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 yrs 2.99% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4GG
2 yrs 2.99% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0 Repayment Methods: Capital Repayment 3% until 30/06/2023, then 2% until 30/06/2024 4GH
5 yrs 2.99% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.4% APRC £495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4GJ
5 yrs 2.99% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.4% APRC £0 Repayment Methods: Capital Repayment 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4GK
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 yrs 2.99% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4GL
2 yrs 3.14% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4GM
2 yrs 3.19% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4GN
2 yrs 3.27% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • £750 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £75,000
  • Repayment Methods: Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4JH
5 yrs 2.99% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.4% APRC £495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4GP
5 yrs 3.14% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.2% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4GQ
5 yrs 3.19% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.4% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4GR
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 yrs 3.05% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4GS
2 yrs 3.29% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • £750 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £75,000
  • Repayment Methods: Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4JK
5 yrs 3.14% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.4% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4GU
5 yrs 3.17% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.4% APRC £0
  • £750 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £75,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4JL
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 yrs 3.42% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4GW
5 yrs 3.42% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4GX
5 yrs 3.52% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4GY
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 4.99% Variable which is our Standard Variable Rate for the entire mortgage term 5.1% APRC £0 Repayment Methods: Capital Repayment No Early Redemption Charges. MTX
60% LTV | Help to Buy Equity Loan 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 yrs 2.96% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.4% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4GZ
75% LTV | Help to Buy Equity Loan 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 yrs 3.06% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.4% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4HA
85% LTV | Help to Buy Equity Loan 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 yrs 3.17% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4HB
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 yrs 3.15% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.3% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4HC
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
2 yrs 3.28% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4HD
5 yrs 3.26% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4HE
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
2 yrs 3.62% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4HF
5 yrs 3.67% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4HG
75% LTV | Buy to Let Green 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 yrs 2.72% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A, B or C
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4HH
2 yrs 3.02% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A, B or 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 30/06/2023, then 2% until 30/06/2024 4HJ
2 yrs 3.09% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A, B or C
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4HK
5 yrs 2.93% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.3% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A, B or C
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4HL
75% LTV | Buy to Let Green 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 yrs 2.82% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A, B or C
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4HP
2 yrs 2.84% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £1495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A, B or 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 30/06/2023, then 2% until 30/06/2024 4HQ
5 yrs 2.98% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.2% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A, B or C
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4HR
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 yrs 2.86% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% 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 30/06/2023, then 2% until 30/06/2024 4HT
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 yrs 2.82% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4HV
2 yrs 3.12% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% 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 30/06/2023, then 2% until 30/06/2024 4HW
2 yrs 3.19% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4HX
5 yrs 2.98% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.3% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4HY
5 yrs 3.15% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4HZ
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 yrs 2.75% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% 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 30/06/2023, then 2% until 30/06/2024 4JB
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 yrs 2.92% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 30/06/2023, then 2% until 30/06/2024 4JD
2 yrs 2.94% Fixed until 30/06/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% 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 30/06/2023, then 2% until 30/06/2024 4JE
5 yrs 3.03% Fixed until 30/06/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.2% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2024, then 3% until 30/06/2026, then 2% until 30/06/2027 4JF
Buy to Let Top Slicing now available

Boost your client’s borrowing power with:

  • a minimum 100% rental income cover
  • 4.5% stress rate for 5 year+ products
  • loan sizes up to £750,000
Find out more

Your browser is not supported. For the best experience, we recommend using the latest version of Chrome, Microsoft Edge, Firefox or Safari at 100% zoom level. You won’t be able to access our application system using Internet Explorer, please use one of the browsers suggested above.