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Find the right products to suit your clients’ needs. For existing mortgage customers, see our product transfer and further advance product pages.

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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 | 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 4.74% 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 £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 30/04/2026, then 2% until 30/04/2027 AFXA
2 years 4.82% 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 £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/04/2026, then 2% until 30/04/2027 AFXB
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 £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 30/04/2026, then 2% until 30/04/2027 AFXC
3 years 4.75% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.2% 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 30/04/2027, then 2% until 30/04/2028 AFXD
3 years 4.84% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.2% 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 30/04/2027, then 2% until 30/04/2028 AFXE

80% 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 4.70% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.5% 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
 3% until 30/04/2026, then 2% until 30/04/2027 AFXG
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
  • 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 30/04/2026, then 2% until 30/04/2027 AFXH
2 years 4.85% 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 £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/04/2026, then 2% until 30/04/2027 AFXJ
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 £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 30/04/2026, then 2% until 30/04/2027 AFXK
3 years 4.65% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.2% 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
 3% until 30/04/2027, then 2% until 30/04/2028 AFXN
3 years 4.70% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.2% 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 30/04/2027, then 2% until 30/04/2028 AFXP
3 years 4.80% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.2% 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 30/04/2027, then 2% until 30/04/2028 AFXQ
3 years 4.89% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.2% 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 30/04/2027, then 2% until 30/04/2028 AFXR

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 4.75% 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 £1495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/04/2026, then 2% until 30/04/2027 AFXS
2 years 4.79% 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
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 30/04/2026, then 2% until 30/04/2027 AFXT
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 7.5% 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 30/04/2026, then 2% until 30/04/2027 AFXU
2 years 5.05% 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 £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 30/04/2026, then 2% until 30/04/2027 AFXV
3 years 4.72% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.3% 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 30/04/2027, then 2% until 30/04/2028 AFXW
3 years 4.77% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.3% 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 30/04/2027, then 2% until 30/04/2028 AFXX
3 years 4.86% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.2% 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 30/04/2027, then 2% until 30/04/2028 AFXY
3 years 4.95% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.2% 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 30/04/2027, then 2% until 30/04/2028 AFXZ
5 years 4.74% Fixed until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 6.8% 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 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 AFYA
5 years 4.84% 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
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 AFYB
7 years 4.75% Fixed until 30/04/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% 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 30/04/2029, then 3% until 30/04/2031, then 2% until 30/04/2032 AFYC

90% 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 5.10% 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 £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 30/04/2026, then 2% until 30/04/2027 AFYD
2 years 5.30% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.6% 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 30/04/2026, then 2% until 30/04/2027 AFYE
3 years 5.09% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 30/04/2027, then 2% until 30/04/2028 AFYG
5 years 4.90% Fixed until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 6.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 AFYH
7 years 4.94% Fixed until 30/04/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 6.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/04/2029, then 3% until 30/04/2031, then 2% until 30/04/2032 AFYJ

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 5.60% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 30/04/2026, then 2% until 30/04/2027 AFYK
2 years 5.75% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.7% 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 30/04/2026, then 2% until 30/04/2027 AFYN
3 years 5.42% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 30/04/2027, then 2% until 30/04/2028 AFYP
3 years 5.52% Fixed until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.4% 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 30/04/2027, then 2% until 30/04/2028 AFYQ
5 years 5.30% Fixed until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable 7.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 AFYR

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 7.84% Variable which is our Standard Variable Rate for the entire mortgage term 8.2% 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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