Product Transfer Products
If your client is looking to transfer their mortgage, you'll find our product transfer rates below.
You can transfer your client’s mortgage if their mortgage started after June 2014. Simply select a product and apply online.
If you have any clients with a mortgage that started before June 2014 or the account number does not start with 80, please get in touch with us before giving advice.
See our new business products for new clients.
The Bank of Ireland Standard Variable Rate is currently 7.19%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 15/08/2025.
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 3.94% Fixed | until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.7% APRC | £1495 | None | 3% until 30/11/2026, then 2% until 30/11/2027 | AJGH |
| 2 years | 3.99% Fixed | until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.6% APRC | £995 | None | 3% until 30/11/2026, then 2% until 30/11/2027 | AJGJ |
| 2 years | 4.47% Fixed | until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.6% APRC | £0 | None | 3% until 30/11/2026, then 2% until 30/11/2027 | AJGK |
| 3 years | 4.19% Fixed | until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.4% APRC | £1495 | None | 3% until 30/11/2027, then 2% until 30/11/2028 | AJGL |
| 3 years | 4.29% Fixed | until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.4% APRC | £995 | None | 3% until 30/11/2027, then 2% until 30/11/2028 | AJGN |
| 3 years | 4.57% Fixed | until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.4% APRC | £0 | None | 3% until 30/11/2027, then 2% until 30/11/2028 | AJGP |
| 5 years | 4.39% Fixed | until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.0% APRC | £1495 | None | 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 | AJGQ |
| 5 years | 4.46% Fixed | until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.0% APRC | £995 | None | 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 | AJGR |
| 5 years | 4.67% Fixed | until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.0% APRC | £0 | None | 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 | AJGS |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.14% Fixed | until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.7% APRC | £1495 | None | 3% until 30/11/2026, then 2% until 30/11/2027 | AJGT |
| 2 years | 4.19% Fixed | until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.7% APRC | £995 | None | 3% until 30/11/2026, then 2% until 30/11/2027 | AJGU |
| 2 years | 4.54% Fixed | until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.7% APRC | £0 | None | 3% until 30/11/2026, then 2% until 30/11/2027 | AJGV |
| 3 years | 4.29% Fixed | until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.5% APRC | £1495 | None | 3% until 30/11/2027, then 2% until 30/11/2028 | AJGW |
| 3 years | 4.34% Fixed | until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.4% APRC | £995 | None | 3% until 30/11/2027, then 2% until 30/11/2028 | AJGX |
| 3 years | 4.55% Fixed | until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.4% APRC | £0 | None | 3% until 30/11/2027, then 2% until 30/11/2028 | AJGY |
| 5 years | 4.52% Fixed | until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.1% APRC | £1495 | None | 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 | AJGZ |
| 5 years | 4.61% Fixed | until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.0% APRC | £995 | None | 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 | AJHA |
| 5 years | 4.71% Fixed | until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.0% APRC | £0 | None | 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 | AJHB |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.59% Fixed | until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.8% APRC | £995 | None | 3% until 30/11/2026, then 2% until 30/11/2027 | AJHC |
| 2 years | 4.83% Fixed | until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.7% APRC | £0 | None | 3% until 30/11/2026, then 2% until 30/11/2027 | AJHD |
| 5 years | 4.66% Fixed | until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.1% APRC | £995 | None | 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 | AJHE |
| 5 years | 4.79% Fixed | until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.0% APRC | £0 | None | 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 | AJHG |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.88% Fixed | until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.8% APRC | £0 | None | 3% until 30/11/2026, then 2% until 30/11/2027 | AJHH |
| 5 years | 4.89% Fixed | until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.1% APRC | £0 | None | 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 | AJHJ |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.69% Fixed | until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.8% APRC | £0 | None | 3% until 30/11/2026, then 2% until 30/11/2027 | AJHK |
| 5 years | 4.86% Fixed | until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.3% APRC | £0 | None | 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 | AJHL |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.69% Fixed | until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.6% APRC | £0 | None | 3% until 30/11/2026, then 2% until 30/11/2027 | AJHN |
| 5 years | 4.86% Fixed | until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 5.9% APRC | £0 | None | 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 | AJHP |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.74% Fixed | until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.2% APRC | £0 | None | 3% until 30/11/2026, then 2% until 30/11/2027 | AJHQ |
| 5 years | 4.91% Fixed | until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 5.4% APRC | £0 | None | 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 | AJHR |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.09% Fixed | until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.8% APRC | £1995 | None | 3% until 31/08/2026, then 2% until 31/08/2027 | AJAJ |
| 2 years | 4.27% Fixed | until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.6% APRC | £995 | None | 3% until 31/08/2026, then 2% until 31/08/2027 | AJAK |
| 2 years | 4.73% Fixed | until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.6% APRC | £0 | None | 3% until 31/08/2026, then 2% until 31/08/2027 | AJAL |
| 3 years | 4.55% Fixed | until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.3% APRC | £995 | None | 3% until 31/08/2027, then 2% until 31/08/2028 | AJAN |
| 3 years | 4.86% Fixed | until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.3% APRC | £0 | None | 3% until 31/08/2027, then 2% until 31/08/2028 | AJAP |
| 5 years | 4.69% Fixed | until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 5.8% APRC | £995 | None | 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 | AJAQ |
| 5 years | 4.89% Fixed | until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 5.8% APRC | £0 | None | 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 | AJAR |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.49% Fixed | until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.7% APRC | £995 | None | 3% until 31/08/2026, then 2% until 31/08/2027 | AJAS |
| 5 years | 4.87% Fixed | until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.0% APRC | £995 | None | 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 | AJAT |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.84% Fixed | until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.6% APRC | £0 | None | 3% until 31/08/2026, then 2% until 31/08/2027 | AJAU |
| 5 years | 5.03% Fixed | until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 5.9% APRC | £0 | None | 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 | AJAV |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.09% Fixed | until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.8% APRC | £1995 | None | 3% until 31/08/2026, then 2% until 31/08/2027 | AJAW |
| 2 years | 4.27% Fixed | until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.7% APRC | £995 | None | 3% until 31/08/2026, then 2% until 31/08/2027 | AJAX |
| 2 years | 4.73% Fixed | until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.8% APRC | £0 | None | 3% until 31/08/2026, then 2% until 31/08/2027 | AJAY |
| 3 years | 4.55% Fixed | until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.5% APRC | £995 | None | 3% until 31/08/2027, then 2% until 31/08/2028 | AJAZ |
| 3 years | 4.86% Fixed | until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.6% APRC | £0 | None | 3% until 31/08/2027, then 2% until 31/08/2028 | AJBA |
| 5 years | 4.69% Fixed | until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.1% APRC | £995 | None | 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 | AJBB |
| 5 years | 4.89% Fixed | until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.2% APRC | £0 | None | 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 | AJBC |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.49% Fixed | until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.8% APRC | £995 | None | 3% until 31/08/2026, then 2% until 31/08/2027 | AJBD |
| 5 years | 4.87% Fixed | until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.2% APRC | £995 | None | 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 | AJBE |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.84% Fixed | until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.8% APRC | £0 | None | 3% until 31/08/2026, then 2% until 31/08/2027 | AJBG |
| 5 years | 5.03% Fixed | until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.2% APRC | £0 | None | 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 | AJBH |