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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 8.04%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 16/10/2024.

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New Business Products

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 years 4.59% Fixed until 31/01/2027 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 31/01/2026, then 2% until 31/01/2027 AENZ
2 years 4.69% Fixed until 31/01/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% APRC £495
  • 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 31/01/2026, then 2% until 31/01/2027 AEPA
2 years 4.69% Fixed until 31/01/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% 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 31/01/2026, then 2% until 31/01/2027 AEPB
2 years 4.79% Fixed until 31/01/2027 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
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/01/2026, then 2% until 31/01/2027 AEPC
3 years 4.55% Fixed until 31/01/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.4% 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 31/01/2027, then 2% until 31/01/2028 AEPD
3 years 4.60% Fixed until 31/01/2028 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 31/01/2027, then 2% until 31/01/2028 AEPE
3 years 4.65% Fixed until 31/01/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.3% 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 31/01/2027, then 2% until 31/01/2028 AEPG
5 years 4.59% Fixed until 31/01/2030 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 31/01/2027, then 3% until 31/01/2029, then 2% until 31/01/2030 AEPH
5 years 4.64% Fixed until 31/01/2030 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 31/01/2027, then 3% until 31/01/2029, then 2% until 31/01/2030 AEPJ
5 years 4.65% Fixed until 31/01/2030 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: Capital Repayment
 4% until 31/01/2027, then 3% until 31/01/2029, then 2% until 31/01/2030 AEPK
7 years 4.59% Fixed until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.3% 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 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 AEPL

80% 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 4.69% Fixed until 31/01/2027 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)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/01/2026, then 2% until 31/01/2027 AEPN
2 years 4.92% Fixed until 31/01/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% 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 31/01/2026, then 2% until 31/01/2027 AEPP
3 years 4.64% Fixed until 31/01/2028 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 31/01/2027, then 2% until 31/01/2028 AEPQ
3 years 4.75% Fixed until 31/01/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.3% APRC £0
  • 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 31/01/2027, then 2% until 31/01/2028 AEPR
5 years 4.74% Fixed until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% 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 31/01/2027, then 3% until 31/01/2029, then 2% until 31/01/2030 AEPS

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 years 4.64% Fixed until 31/01/2027 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 31/01/2026, then 2% until 31/01/2027 AEPT
2 years 4.79% Fixed until 31/01/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% 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 31/01/2026, then 2% until 31/01/2027 AEPU
2 years 4.89% Fixed until 31/01/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% APRC £495
  • 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 31/01/2026, then 2% until 31/01/2027 AEPV
2 years 5.04% Fixed until 31/01/2027 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
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/01/2026, then 2% until 31/01/2027 AEPW
3 years 4.69% Fixed until 31/01/2028 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 31/01/2027, then 2% until 31/01/2028 AEPX
3 years 4.89% Fixed until 31/01/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.3% APRC £0
  • 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 31/01/2027, then 2% until 31/01/2028 AEPY
5 years 4.59% Fixed until 31/01/2030 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 31/01/2027, then 3% until 31/01/2029, then 2% until 31/01/2030 AEPZ
5 years 4.59% Fixed until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.8% 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 31/01/2027, then 3% until 31/01/2029, then 2% until 31/01/2030 AEQA
5 years 4.64% Fixed until 31/01/2030 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 31/01/2027, then 3% until 31/01/2029, then 2% until 31/01/2030 AEQB
5 years 4.69% Fixed until 31/01/2030 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: Capital Repayment
 4% until 31/01/2027, then 3% until 31/01/2029, then 2% until 31/01/2030 AEQC
7 years 4.59% Fixed until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.3% 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 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 AEQD

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 5.30% Fixed until 31/01/2027 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
  • Repayment Methods: Capital Repayment
 3% until 31/01/2026, then 2% until 31/01/2027 AEQE
2 years 5.44% Fixed until 31/01/2027 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 31/01/2026, then 2% until 31/01/2027 AEQG
3 years 4.99% Fixed until 31/01/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.4% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/01/2027, then 2% until 31/01/2028 AEQH
5 years 4.75% Fixed until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 31/01/2027, then 3% until 31/01/2029, then 2% until 31/01/2030 AEQJ
5 years 4.85% Fixed until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% 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 31/01/2027, then 3% until 31/01/2029, then 2% until 31/01/2030 AEQK
7 years 4.75% Fixed until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 AEQN

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 years 5.75% Fixed until 31/01/2027 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 31/01/2026, then 2% until 31/01/2027 AEQP
2 years 5.95% Fixed until 31/01/2027 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 31/01/2026, then 2% until 31/01/2027 AEQQ
3 years 5.29% Fixed until 31/01/2028 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 31/01/2027, then 2% until 31/01/2028 AEQR
5 years 5.19% Fixed until 31/01/2030 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 31/01/2027, then 3% until 31/01/2029, then 2% until 31/01/2030 AEQS
5 years 5.29% Fixed until 31/01/2030 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 31/01/2027, then 3% until 31/01/2029, then 2% until 31/01/2030 AEQT

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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