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Right here for you with 95% LTV mortgages. We now have 2 and 5 year fixed rate 95% LTV residential mortgages to help you support your clients. See our 95% LTV products here.

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.

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 4.09%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 09 April 2021.

 

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 2.20% Fixed

until 31/05/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

3.9% APRC £995
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
3% until 31/05/2022, then 2% until 31/05/2023 NWX
5 yrs 2.47% Fixed

until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

3.6% APRC £995
  • Repayment Methods: Capital Repayment
  • Part & Part (Interest Only element maximum 60% LTV)
4% until 31/05/2023, then 3% until 31/05/2025, then 2% until 31/05/2026 NWY
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 2.20% Fixed until 31/05/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £995 Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV) 3% until 31/05/2022, then 2% until 31/05/2023 NWZ
5 yrs 2.47% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.6% APRC £995 Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV) 4% until 31/05/2023, then 3% until 31/05/2025, then 2% until 31/05/2026 NXA
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 2.86% Fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £0 Standard Valuation Fee Paid by Lender,Repayment Methods: Capital Repayment 3% until 30/06/2022, then 2% until 30/06/2023 Y7B
2 yrs 2.50% Fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £995 £250 Cashback paid to solicitor with advance,Standard Valuation Fee Paid by Lender,Minimum Loan £50,000,Repayment Methods: Capital Repayment 3% until 30/06/2022, then 2% until 30/06/2023 Y7A
5 yrs 2.98% Fixed until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £0 Standard Valuation Fee Paid by Lender,Repayment Methods: Capital Repayment 4% until 30/06/2023, then 3% until 30/06/2025, then 2% until 30/06/2026 Y7D
5 yrs 2.80% Fixed until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £995 £250 Cashback paid to solicitor with advance,Standard Valuation Fee Paid by Lender,Minimum Loan £50,000,Repayment Methods: Capital Repayment 4% until 30/06/2023, then 3% until 30/06/2025, then 2% until 30/06/2026 Y7C
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 3.26% Fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0 Standard Valuation Fee Paid by Lender,Minimum Loan £150,000,Repayment Methods: Capital Repayment 3% until 30/06/2022, then 2% until 30/06/2023 Y7E
5 yrs 3.48% Fixed until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £0 Standard Valuation Fee Paid by Lender,Minimum Loan £150,000,Repayment Methods: Capital Repayment 4% until 30/06/2023, then 3% until 30/06/2025, then 2% until 30/06/2026 Y7F
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 3.99% Fixed

until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

4.2% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2022, then 2% until 30/06/2023 Y7Y
5 yrs 4.05% Fixed

until 30/06/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

4.2% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Repayment Methods: Capital Repayment
4% until 30/06/2023, then 3% until 30/06/2025, then 2% until 30/06/2026 Y7Z
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 4.09% Variable which is our Standard Variable Rate for the entire mortgage term 4.2% 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 2.05% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% APRC £995 Repayment Methods: Capital Repayment 4% until 31/05/2023, then 3% until 31/05/2025, then 2% until 31/05/2026 NXE
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 2.29% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.6% APRC £995 Repayment Methods: Capital Repayment 4% until 31/05/2023, then 3% until 31/05/2025, then 2% until 31/05/2026 NXF
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 3.19% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £995 Repayment Methods: Capital Repayment 4% until 31/05/2023, then 3% until 31/05/2025, then 2% until 31/05/2026 NXG
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 3.19% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £995 Repayment Methods: Capital Repayment 4% until 31/05/2023, then 3% until 31/05/2025, then 2% until 31/05/2026 NXD
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 1.81% Fixed until 31/05/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% 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 31/05/2022, then 2% until 31/05/2023 NXH
5 yrs 2.16% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.3% 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 31/05/2023, then 3% until 31/05/2025, then 2% until 31/05/2026 Y8W
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 2.12% Fixed until 31/05/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% 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 31/05/2022, then 2% until 31/05/2023 NXK
5 yrs 2.38% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.4% 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 31/05/2023, then 3% until 31/05/2025, then 2% until 31/05/2026 Y8X
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 1.81% Fixed until 31/05/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% 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 31/05/2022, then 2% until 31/05/2023 NXM
5 yrs 2.16% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.3% 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 31/05/2023, then 3% until 31/05/2025, then 2% until 31/05/2026 Y8Y
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 2.12% Fixed until 31/05/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% 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 31/05/2022, then 2% until 31/05/2023 NXP
5 yrs 2.38% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.4% 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 31/05/2023, then 3% until 31/05/2025, then 2% until 31/05/2026 Y8Z
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

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