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Submitting applications – From the 13th November 2021 you won’t be able to access our application system using Internet Explorer. If you have any questions, please contact us.

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 17/09/2021.

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 1.72% Fixed until 30/11/2023 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
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
3% until 30/11/2022, then 2% until 30/11/2023 2PA
5 yrs 2.13% Fixed until 30/11/2026 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
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QT
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 1.72% Fixed until 30/11/2023 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
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
3% until 30/11/2022, then 2% until 30/11/2023 2PC
2 yrs 1.79% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £0 Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV) 3% until 30/11/2022, then 2% until 30/11/2023 2PD
5 yrs 2.13% Fixed until 30/11/2026 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
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QU
5 yrs 2.19% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.4% APRC £0 Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV) 4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QV
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 1.76% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% 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 30/11/2022, then 2% until 30/11/2023 2PG
2 yrs 1.97% Fixed until 30/11/2023 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
  • Repayment Methods: Capital Repayment
3% until 30/11/2022, then 2% until 30/11/2023 2PH
5 yrs 2.16% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% 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 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QW
5 yrs 2.16% Fixed until 30/11/2026 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: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QY
5 yrs 2.26% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QX
5 yrs 2.26% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QZ
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 2.23% Fixed until 30/11/2023 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 £100,000
  • Repayment Methods: Capital Repayment
3% until 30/11/2022, then 2% until 30/11/2023 2PL
2 yrs 2.46% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% 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 30/11/2022, then 2% until 30/11/2023 2PN
5 yrs 2.76% Fixed until 30/11/2026 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
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2PP
5 yrs 2.85% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% 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 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2PQ
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 3.07% Fixed until 30/11/2023 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 £100,000
  • Repayment Methods: Capital Repayment
3% until 30/11/2022, then 2% until 30/11/2023 2QF
2 yrs 3.24% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% 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 30/11/2022, then 2% until 30/11/2023 2QG
3 yrs 3.10% Fixed until 30/11/2024 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 £100,000
  • Repayment Methods: Capital Repayment
3% until 30/11/2023, then 2% until 30/11/2024 2QH
5 yrs 3.27% Fixed until 30/11/2026 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 £100,000
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QJ
5 yrs 3.39% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% 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 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QK
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 2.26% Fixed until 30/11/2026 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
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2MW
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 2.36% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.6% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2MX
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 2.47% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.6% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2MY
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 2.52% Fixed until 30/11/2026 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
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2MZ
60% 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 1.66% Fixed until 31/10/2023 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 31/10/2022, then 2% until 31/10/2023 2NA
5 yrs 2.06% Fixed until 31/10/2026 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 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 2NB
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 1.97% Fixed until 31/10/2023 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 31/10/2022, then 2% until 31/10/2023 2NC
2 yrs 2.09% Fixed until 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 31/10/2022, then 2% until 31/10/2023 2ND
5 yrs 2.33% Fixed until 31/10/2026 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 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 2NE
5 yrs 2.35% Fixed

until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

3.5% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
4% until 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 2NF
60% 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 1.66% Fixed until 31/10/2023 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 31/10/2022, then 2% until 31/10/2023 2NG
5 yrs 2.06% Fixed

until 31/10/2026 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 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 2NH
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 1.86% Fixed until 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% 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
3% until 31/10/2022, then 2% until 31/10/2023 2NJ
2 yrs 1.97% Fixed

until 31/10/2023 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 31/10/2022, then 2% until 31/10/2023 2NK
5 yrs 2.29% Fixed

until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

3.5% 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 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 2NL
5 yrs 2.33% Fixed until 31/10/2026 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 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 2NM
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 1.76% Fixed until 31/10/2023 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 31/10/2022, then 2% until 31/10/2023 2NN
5 yrs 2.11% Fixed until 31/10/2026 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 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 2NP
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 2.07% Fixed until 31/10/2023 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 31/10/2022, then 2% until 31/10/2023 2NQ
2 yrs 2.19% Fixed until 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 31/10/2022, then 2% until 31/10/2023 2NR
5 yrs 2.38% Fixed until 31/10/2026 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 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 2NS
5 yrs 2.40% Fixed until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
4% until 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 2NT
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 1.76% Fixed until 31/10/2023 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 31/10/2022, then 2% until 31/10/2023 2NU
5 yrs 2.11% Fixed until 31/10/2026 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 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 2NV
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 1.96% Fixed until 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% 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
3% until 31/10/2022, then 2% until 31/10/2023 2NW
2 yrs 2.07% Fixed until 31/10/2023 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 31/10/2022, then 2% until 31/10/2023 2NX
5 yrs 2.34% Fixed until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% 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 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 2NY
5 yrs 2.38% Fixed until 31/10/2026 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 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 2NZ
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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