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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 7.84%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 10/01/2025.

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

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 years 4.75% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • 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 30/04/2026, then 2% until 30/04/2027 AFYV

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 years 4.89% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • £500 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 30/04/2026, then 2% until 30/04/2027 AFYW

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 years 4.74% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.5% APRC £995
  • £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 30/04/2026, then 2% until 30/04/2027 AFYX
2 years 4.89% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% 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 30/04/2026, then 2% until 30/04/2027 AFYY

65% 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 years 4.76% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.5% APRC £995
  • £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 30/04/2026, then 2% until 30/04/2027 AFYZ
2 years 4.92% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% 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 30/04/2026, then 2% until 30/04/2027 AFZA

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 years 4.80% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% 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
 3% until 30/04/2026, then 2% until 30/04/2027 AFZB
2 years 4.80% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.5% APRC £995
  • £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 30/04/2026, then 2% until 30/04/2027 AFZC
2 years 4.95% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% 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 30/04/2026, then 2% until 30/04/2027 AFZD
5 years 4.89% Fixed until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 6.6% 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 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 AFZE
5 years 4.95% Fixed until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 6.6% 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 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 AFZG
5 years 5.00% Fixed until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 6.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 AFZH

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 years 4.70% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% 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 30/04/2026, then 2% until 30/04/2027 AFZJ
2 years 4.80% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% 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
 3% until 30/04/2026, then 2% until 30/04/2027 AFZK

65% 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 years 4.74% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% 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 30/04/2026, then 2% until 30/04/2027 AFZL
2 years 4.84% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% 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
 3% until 30/04/2026, then 2% until 30/04/2027 AFZN

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 years 4.75% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.5% APRC £1995
  • £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 30/04/2026, then 2% until 30/04/2027 AFZP
2 years 4.90% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% APRC £995
  • £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 30/04/2026, then 2% until 30/04/2027 AFZQ
2 years 4.99% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% 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 30/04/2026, then 2% until 30/04/2027 AFZR
5 years 4.85% Fixed until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 6.7% APRC £2495
  • 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 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 AFZS
5 years 4.89% Fixed until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 6.7% 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 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 AFZT
5 years 4.94% Fixed until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 6.7% APRC £995
  • £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 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 AFZU

Buy to Let Top Slicing now available

Boost your client’s borrowing power with:

  • loan sizes up to £750,000
  • a minimum 100% rental income cover
  • 5+ year products stress rate: The higher of 4.5% or product pay rate +1%
Find out more about Buy to Let
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