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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 23rd June 2021.

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 1.85% Fixed until 30/09/2023 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, Part & Part (Interest Only element maximum 60% LTV) 3% until 30/09/2022, then 2% until 30/09/2023 2BJ
5 yrs 2.26% Fixed until 30/09/2026 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, Part & Part (Interest Only element maximum 60% LTV) 4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 2BK
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 1.85% Fixed until 30/09/2023 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, Part & Part (Interest Only element maximum 60% LTV) 3% until 30/09/2022, then 2% until 30/09/2023 2BL
5 yrs 2.26% Fixed until 30/09/2026 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, Part & Part (Interest Only element maximum 60% LTV) 4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 2BM
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 2.19% Fixed until 30/09/2023 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 30/09/2022, then 2% until 30/09/2023 2BN
2 yrs 2.19% Fixed until 30/09/2023 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: Capital Repayment
3% until 30/09/2022, then 2% until 30/09/2023 2BQ
2 yrs 2.58% Fixed until 30/09/2023 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 30/09/2022, then 2% until 30/09/2023 2BS
5 yrs 2.49% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.6% 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 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 2BP
5 yrs 2.49% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 2BR
5 yrs 2.73% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 2BT
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 2.87% Fixed until 30/09/2023 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
  • Minimum Loan £150,000
  • Repayment Methods: Capital Repayment
3% until 30/09/2022, then 2% until 30/09/2023 2BU
2 yrs 2.99% Fixed until 30/09/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Repayment Methods: Capital Repayment
3% until 30/09/2022, then 2% until 30/09/2023 2BW
5 yrs 3.16% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Repayment Methods: Capital Repayment
4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 2BV
5 yrs 3.19% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £0
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Repayment Methods: Capital Repayment
4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 2BX
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 3.64% Fixed until 30/09/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Repayment Methods: Capital Repayment
3% until 30/09/2022, then 2% until 30/09/2023 2AK
2 yrs 3.72% Fixed until 30/09/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Repayment Methods: Capital Repayment
3% until 30/09/2022, then 2% until 30/09/2023 2AL
3 yrs 3.80% Fixed until 30/09/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Repayment Methods: Capital Repayment
3% until 30/09/2023, then 2% until 30/09/2024 2AR
3 yrs 3.83% Fixed until 30/09/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Repayment Methods: Capital Repayment
3% until 30/09/2023, then 2% until 30/09/2024 2AN
5 yrs 3.80% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Repayment Methods: Capital Repayment
4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 2AP
5 yrs 3.83% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Repayment Methods: Capital Repayment
4% until 30/09/2023, then 3% until 30/09/2025, then 2% until 30/09/2026 2AQ
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 31/08/2026 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z7J
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 31/08/2026 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z7K
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 31/08/2026 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z7L
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 3.14% Fixed until 31/08/2026 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z7M
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 31/08/2023 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 31/08/2022, then 2% until 31/08/2023 Z7N
5 yrs 2.16% Fixed until 31/08/2026 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z7P
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 31/08/2023 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 31/08/2022, then 2% until 31/08/2023 Z7Q
5 yrs 2.38% Fixed until 31/08/2026 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z7R
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 31/08/2023 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 31/08/2022, then 2% until 31/08/2023 Z7S
5 yrs 2.16% Fixed until 31/08/2026 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z7T
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 31/08/2023 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 31/08/2022, then 2% until 31/08/2023 Z7U
5 yrs 2.38% Fixed until 31/08/2026 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 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z7V
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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