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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 27/03/2024.

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

60% 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 5.03% Fixed until 31/05/2026 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 31/05/2025, then 2% until 31/05/2026 ABFD
3 years 4.87% Fixed until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.4% 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 31/05/2026, then 2% until 31/05/2027 ABFE
5 years 4.77% Fixed until 31/05/2029 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 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 ABFG

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 4.92% Fixed until 31/05/2026 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 31/05/2025, then 2% until 31/05/2026 ABFH
2 years 4.99% Fixed until 31/05/2026 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 31/05/2025, then 2% until 31/05/2026 ABFJ
2 years 5.07% Fixed until 31/05/2026 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 31/05/2025, then 2% until 31/05/2026 ABFK
3 years 4.80% Fixed until 31/05/2027 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 31/05/2026, then 2% until 31/05/2027 ABFL
3 years 4.87% Fixed until 31/05/2027 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 31/05/2026, then 2% until 31/05/2027 ABFN
3 years 4.92% Fixed until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.4% 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 31/05/2026, then 2% until 31/05/2027 ABFP
5 years 4.72% Fixed until 31/05/2029 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 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 ABFQ
5 years 4.75% Fixed until 31/05/2029 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 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 ABFR
5 years 4.80% Fixed until 31/05/2029 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 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 ABFS
7 years 4.75% Fixed until 31/05/2031 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 31/05/2028, then 3% until 31/05/2030, then 2% until 31/05/2031 ABFT

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 4.99% Fixed until 31/05/2026 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 31/05/2025, then 2% until 31/05/2026 ABFU
2 years 5.09% Fixed until 31/05/2026 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 31/05/2025, then 2% until 31/05/2026 ABCU
2 years 5.09% Fixed until 31/05/2026 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 31/05/2025, then 2% until 31/05/2026 ABFV
3 years 4.87% Fixed until 31/05/2027 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 31/05/2026, then 2% until 31/05/2027 ABFW
3 years 4.97% Fixed until 31/05/2027 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 31/05/2026, then 2% until 31/05/2027 ABFX
5 years 4.78% Fixed until 31/05/2029 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 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 ABFY
5 years 4.82% Fixed until 31/05/2029 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 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 ABFZ
5 years 4.88% Fixed until 31/05/2029 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 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 ABGA
7 years 4.82% Fixed until 31/05/2031 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 31/05/2028, then 3% until 31/05/2030, then 2% until 31/05/2031 ABGB

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 5.29% Fixed until 31/05/2026 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
  • Repayment Methods: Capital Repayment
3% until 31/05/2025, then 2% until 31/05/2026 ABGC
2 years 5.39% Fixed until 31/05/2026 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 31/05/2025, then 2% until 31/05/2026 ABGD
3 years 5.14% Fixed until 31/05/2027 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 31/05/2026, then 2% until 31/05/2027 ABGE
5 years 4.92% Fixed until 31/05/2029 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 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 ABGG
5 years 4.99% Fixed until 31/05/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.0% 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 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 ABGH
7 years 4.92% Fixed until 31/05/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 31/05/2028, then 3% until 31/05/2030, then 2% until 31/05/2031 ABGJ

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 31/05/2026 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 31/05/2025, then 2% until 31/05/2026 ABGK
2 years 6.02% Fixed until 31/05/2026 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 31/05/2025, then 2% until 31/05/2026 ABGL
5 years 5.26% Fixed until 31/05/2029 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 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 ABGN

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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