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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 4.09%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 30/09/2021.

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
70% 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 yrs 1.72% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
3% until 30/11/2022, then 2% until 30/11/2023 2PA
5 yrs 2.13% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.4% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QT
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 yrs 1.72% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
3% until 30/11/2022, then 2% until 30/11/2023 2PC
2 yrs 1.79% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £0 Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV) 3% until 30/11/2022, then 2% until 30/11/2023 2PD
5 yrs 2.13% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.4% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QU
5 yrs 2.19% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.4% APRC £0 Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV) 4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QV
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 yrs 1.89% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
3% until 30/11/2022, then 2% until 30/11/2023 2SS
2 yrs 1.89% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
3% until 30/11/2022, then 2% until 30/11/2023 2ST
2 yrs 2.02% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £0
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
3% until 30/11/2022, then 2% until 30/11/2023 2SU
2 yrs 2.02% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
3% until 30/11/2022, then 2% until 30/11/2023 2SV
5 yrs 2.15% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.4% APRC £495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2SW
5 yrs 2.15% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.3% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2SX
5 yrs 2.19% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2SY
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 yrs 2.23% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 30/11/2022, then 2% until 30/11/2023 2PL
2 yrs 2.46% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% 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 30/11/2022, then 2% until 30/11/2023 2PN
5 yrs 2.76% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2PP
5 yrs 2.85% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% 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 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2PQ
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 yrs 3.07% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 30/11/2022, then 2% until 30/11/2023 2QF
2 yrs 3.24% Fixed until 30/11/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% 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 30/11/2022, then 2% until 30/11/2023 2QG
3 yrs 3.10% Fixed until 30/11/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
3% until 30/11/2023, then 2% until 30/11/2024 2QH
5 yrs 3.27% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QJ
5 yrs 3.39% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% 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 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2QK
60% LTV | Help to Buy Equity Loan 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
5 yrs 2.26% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2MW
75% LTV | Help to Buy Equity Loan 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
5 yrs 2.36% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.6% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2MX
85% LTV | Help to Buy Equity Loan 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
5 yrs 2.47% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.6% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2MY
85% LTV | First Start 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
5 yrs 2.52% Fixed until 30/11/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.5% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 30/11/2023, then 3% until 30/11/2025, then 2% until 30/11/2026 2MZ
60% 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 yrs 1.76% Fixed until 31/12/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% 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 31/12/2022, then 2% until 31/12/2023 2RS
5 yrs 2.08% Fixed until 31/12/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.2% 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
4% until 31/12/2023, then 3% until 31/12/2025, then 2% until 31/12/2026 2RT
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 yrs 1.92% Fixed until 31/12/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% 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 31/12/2022, then 2% until 31/12/2023 2RU
2 yrs 2.09% Fixed until 31/12/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 31/12/2022, then 2% until 31/12/2023 2RV
5 yrs 2.12% Fixed until 31/12/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.2% 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
4% until 31/12/2023, then 3% until 31/12/2025, then 2% until 31/12/2026 2RW
5 yrs 2.20% Fixed until 31/12/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
4% until 31/12/2023, then 3% until 31/12/2025, then 2% until 31/12/2026 2RX
60% 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 yrs 1.70% Fixed until 31/12/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% 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 31/12/2022, then 2% until 31/12/2023 2RY
5 yrs 2.05% Fixed until 31/12/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.2% 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 31/12/2023, then 3% until 31/12/2025, then 2% until 31/12/2026 2RZ
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 yrs 1.79% Fixed until 31/12/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £1495
  • 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 31/12/2022, then 2% until 31/12/2023 2SA
2 yrs 1.82% Fixed until 31/12/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 31/12/2022, then 2% until 31/12/2023 2SB
5 yrs 2.07% Fixed until 31/12/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.3% APRC £1495
  • 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 31/12/2023, then 3% until 31/12/2025, then 2% until 31/12/2026 2SC
5 yrs 2.08% Fixed until 31/12/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.3% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
4% until 31/12/2023, then 3% until 31/12/2025, then 2% until 31/12/2026 2SD
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 yrs 1.86% Fixed until 31/12/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% 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 31/12/2022, then 2% until 31/12/2023 2SE
5 yrs 2.13% Fixed until 31/12/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.2% 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
4% until 31/12/2023, then 3% until 31/12/2025, then 2% until 31/12/2026 2SF
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 yrs 2.02% Fixed until 31/12/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% 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 31/12/2022, then 2% until 31/12/2023 2SG
2 yrs 2.19% Fixed until 31/12/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 31/12/2022, then 2% until 31/12/2023 2SH
5 yrs 2.17% Fixed until 31/12/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.2% 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
4% until 31/12/2023, then 3% until 31/12/2025, then 2% until 31/12/2026 2SJ
5 yrs 2.25% Fixed until 31/12/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
4% until 31/12/2023, then 3% until 31/12/2025, then 2% until 31/12/2026 2SK
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 yrs 1.80% Fixed until 31/12/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% 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 31/12/2022, then 2% until 31/12/2023 2SL
5 yrs 2.10% Fixed until 31/12/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.3% 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 31/12/2023, then 3% until 31/12/2025, then 2% until 31/12/2026 2SM
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 yrs 1.89% Fixed until 31/12/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £1495
  • 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 31/12/2022, then 2% until 31/12/2023 2SN
2 yrs 1.92% Fixed until 31/12/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 31/12/2022, then 2% until 31/12/2023 2SP
5 yrs 2.12% Fixed until 31/12/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.3% APRC £1495
  • 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 31/12/2023, then 3% until 31/12/2025, then 2% until 31/12/2026 2SQ
5 yrs 2.13% Fixed until 31/12/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.3% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
4% until 31/12/2023, then 3% until 31/12/2025, then 2% until 31/12/2026 2SR
Buy to Let Top Slicing now available

Boost your client’s borrowing power with:

  • a minimum 100% rental income cover
  • 4.5% stress rate for 5 year+ products
  • loan sizes up to £750,000
Find out more

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