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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 8.04%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 03/07/2024.

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 4.97% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% 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 30/09/2025, then 2% until 30/09/2026 ACQD
2 years 5.04% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% 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 30/09/2025, then 2% until 30/09/2026 ACQE
2 years 5.38% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% APRC £0
  • 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)
  • Minimum Loan £100,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 30/09/2025, then 2% until 30/09/2026 ACQG
5 years 4.88% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.7% 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
4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACMK
5 years 4.93% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% 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
4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACML
5 years 5.08% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.8% APRC £0
  • 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)
  • Minimum Loan £100,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACMN

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 5.11% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% 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 30/09/2025, then 2% until 30/09/2026 ACQH
2 years 5.16% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% 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 30/09/2025, then 2% until 30/09/2026 ACQJ
2 years 5.24% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% APRC £495
  • 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 30/09/2025, then 2% until 30/09/2026 ACQK
5 years 4.99% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.8% 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
4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACMS
5 years 5.04% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% 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
4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACMT

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 4.96% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% 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
3% until 30/09/2025, then 2% until 30/09/2026 ACQL
2 years 4.96% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% 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
3% until 30/09/2025, then 2% until 30/09/2026 ACQN
2 years 5.36% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 30/09/2025, then 2% until 30/09/2026 ACQP
5 years 4.87% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.7% 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
4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACMX
5 years 4.87% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACMY
5 years 5.05% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACMZ

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 5.02% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% 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
3% until 30/09/2025, then 2% until 30/09/2026 ACQQ
2 years 5.04% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% 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
3% until 30/09/2025, then 2% until 30/09/2026 ACQR
2 years 5.43% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 30/09/2025, then 2% until 30/09/2026 ACQS
5 years 4.93% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.8% 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
4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACND
5 years 4.93% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACNE
5 years 5.13% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACNG

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 4.84% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% 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
3% until 30/09/2025, then 2% until 30/09/2026 ACQT
2 years 4.84% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% APRC £2495
  • £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 30/09/2025, then 2% until 30/09/2026 ACQU
2 years 5.11% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% 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 30/09/2025, then 2% until 30/09/2026 ACQV
5 years 4.92% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £1995
  • 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACNL
5 years 4.92% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% 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
4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACNN

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 4.96% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% 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
3% until 30/09/2025, then 2% until 30/09/2026 ACQW
2 years 5.24% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% 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
3% until 30/09/2025, then 2% until 30/09/2026 ACQX
2 years 5.34% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% 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 30/09/2025, then 2% until 30/09/2026 ACQY
5 years 4.92% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACNS
5 years 4.92% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £2495
  • £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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACNT
5 years 4.98% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACNU
5 years 5.04% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACNV

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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