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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 | Residential Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.90% 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 £1495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 30/09/2025, then 2% until 30/09/2026 ACPK
2 years 4.99% 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)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 30/09/2025, then 2% until 30/09/2026 ACPL
2 years 5.07% 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
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 30/09/2025, then 2% until 30/09/2026 ACPN
3 years 4.85% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.4% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 30/09/2026, then 2% until 30/09/2027 ACPP
5 years 4.69% Fixed until 30/09/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
4% until 30/09/2026, then 3% until 30/09/2028, then 2% until 30/09/2029 ACPQ
5 years 4.74% Fixed until 30/09/2029 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)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
4% until 30/09/2026, then 3% until 30/09/2028, then 2% until 30/09/2029 ACPR
5 years 4.79% Fixed until 30/09/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
4% until 30/09/2026, then 3% until 30/09/2028, then 2% until 30/09/2029 ACPS
7 years 4.74% Fixed until 30/09/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.4% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
4% until 30/09/2028, then 3% until 30/09/2030, then 2% until 30/09/2031 ACPT

85% LTV | Residential Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.22% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £1495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 31/08/2025, then 2% until 31/08/2026 ACKU
2 years 5.32% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 31/08/2025, then 2% until 31/08/2026 ACKV
2 years 5.32% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 31/08/2025, then 2% until 31/08/2026 ACKW
3 years 4.99% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.5% APRC £1495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 30/09/2026, then 2% until 30/09/2027 ACPU
3 years 5.13% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.5% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 30/09/2026, then 2% until 30/09/2027 ACPV
5 years 4.83% Fixed until 30/09/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.0% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
4% until 30/09/2026, then 3% until 30/09/2028, then 2% until 30/09/2029 ACPW
5 years 4.86% Fixed until 30/09/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
4% until 30/09/2026, then 3% until 30/09/2028, then 2% until 30/09/2029 ACPX
5 years 4.92% Fixed until 30/09/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
4% until 30/09/2026, then 3% until 30/09/2028, then 2% until 30/09/2029 ACPY
7 years 4.86% Fixed until 30/09/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.5% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
4% until 30/09/2028, then 3% until 30/09/2030, then 2% until 30/09/2031 ACPZ

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 years 5.45% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
3% until 31/08/2025, then 2% until 31/08/2026 ACLD
2 years 5.55% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £0
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 31/08/2025, then 2% until 31/08/2026 ACLE
3 years 5.25% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
3% until 31/08/2026, then 2% until 31/08/2027 ACLG
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 7.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACLH
5 years 5.15% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACLJ
7 years 5.05% Fixed until 31/08/2031 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
  • Repayment Methods: Capital Repayment
4% until 31/08/2028, then 3% until 31/08/2030, then 2% until 31/08/2031 ACLK

95% LTV | Residential Fixed Rates | For Purchases Only

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.84% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.9% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
3% until 30/09/2025, then 2% until 30/09/2026 ACQA
2 years 6.02% Fixed until 30/09/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.9% 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 30/09/2025, then 2% until 30/09/2026 ACQB
3 years 5.60% Fixed until 31/08/2027 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
  • Repayment Methods: Capital Repayment
3% until 31/08/2026, then 2% until 31/08/2027 ACLP
5 years 5.25% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACLQ

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 8.04% Variable which is our Standard Variable Rate for the entire mortgage term 8.4% APRC £0 Repayment Methods: Capital Repayment No Early Redemption Charges. MTX

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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