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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 4.99%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 22/07/2022.

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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
5 yrs 3.79% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% 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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BJ
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 3.79% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% 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 31/10/2023, then 2% until 31/10/2024 5BK
5 yrs 3.79% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% 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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BL
5 yrs 3.79% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £0 Repayment Methods: Capital Repayment 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BM
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 3.79% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% 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 31/10/2023, then 2% until 31/10/2024 5BN
2 yrs 4.04% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% 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 31/10/2023, then 2% until 31/10/2024 5BP
5 yrs 3.79% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% 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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BQ
5 yrs 3.89% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BR
5 yrs 3.94% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% 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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BS
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 3.95% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/10/2023, then 2% until 31/10/2024 5BT
2 yrs 4.15% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% 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 31/10/2023, then 2% until 31/10/2024 5BU
5 yrs 3.89% Fixed until 31/10/2027 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: Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BV
5 yrs 3.99% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% 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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BW
7 yrs 3.94% Fixed

until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable

 4.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 31/10/2026, then 3% until 31/10/2028, then 2% until 31/10/2029 5BX
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 4.32% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 5.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/10/2023, then 2% until 31/10/2024 5BY
2 yrs 4.54% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 5.0% 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 31/10/2023, then 2% until 31/10/2024 5BZ
5 yrs 4.04% Fixed until 31/10/2027 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: Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CA
5 yrs 4.19% Fixed until 31/10/2027 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
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CB
7 yrs 4.12% Fixed

until 31/10/2029 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: Capital Repayment
 4% until 31/10/2026, then 3% until 31/10/2028, then 2% until 31/10/2029 5CC
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 3.81% Fixed until 31/10/2027 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: Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CD
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 3.86% Fixed until 31/10/2027 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: Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CE
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 3.92% Fixed until 31/10/2027 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: Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CF
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 3.94% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CG
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 yrs 4.01% Fixed until 31/10/2027 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: Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CH
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 yrs 4.32% Fixed until 31/10/2027 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
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5CJ
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
5 yrs 3.53% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% 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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5AW
5 yrs 3.69% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% 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
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5AX
5 yrs 3.69% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% 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
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5AY
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
5 yrs 3.55% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% 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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5AZ
5 yrs 3.59% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% 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
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BA
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
5 yrs 3.58% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% 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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BB
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
5 yrs 3.58% Fixed until 31/10/2027 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: Interest Only, Part & Part, Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BC
5 yrs 3.74% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% 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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BD
5 yrs 3.74% Fixed until 31/10/2027 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: Interest Only, Part & Part, Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BE
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
5 yrs 3.52% Fixed until 31/10/2027 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
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BF
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
5 yrs 3.60% Fixed until 31/10/2027 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: Interest Only, Part & Part, Capital Repayment
 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BG
5 yrs 3.64% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% 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 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 5BH
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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