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Intermediary use only

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 you or your firm introduced your client's current mortgage after June 2014. Simply select a product and apply online. See our product transfer process flow for more details. 

If you didn’t introduce your client's mortgage or the mortgage started before June 2014, please call us before giving advice. 

See our new business products for new clients.

The Bank of Ireland Standard Variable Rate is currently 4.99%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 27/07/2022.

Product Transfer Products
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 3.69% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% APRC £995 None 3% until 31/10/2023, then 2% until 31/10/2024 4WZ
2 yrs 3.99% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0 None 3% until 31/10/2023, then 2% until 31/10/2024 4XA
5 yrs 3.69% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £995 None 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 4XB
5 yrs 3.99% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £0 None 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 4XC
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 4.09% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% APRC £0 None 3% until 31/10/2023, then 2% until 31/10/2024 4XD
5 yrs 4.09% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £0 None 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 4XE
ALL 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 4.19% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% APRC £0 None 3% until 31/10/2023, then 2% until 31/10/2024 4XF
5 yrs 4.19% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0 None 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 4XG
85% LTV | Help to Buy: Equity Loan Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.79% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% APRC £0 None 3% until 31/10/2023, then 2% until 31/10/2024 4QD
5 yrs 3.79% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £0 None 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 4QE
90% LTV | Help to Buy: Mortgage Guarantee Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.84% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% APRC £0 None 3% until 31/10/2023, then 2% until 31/10/2024 4PX
5 yrs 3.94% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0 None 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 4PY
ALL LTV | Help to Buy: Mortgage Guarantee Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 4.14% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% APRC £0 None 3% until 31/10/2023, then 2% until 31/10/2024 4PZ
5 yrs 4.24% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0 None 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 4QA
90% LTV | First Start Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.84% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0 None 3% until 31/10/2023, then 2% until 31/10/2024 4PP
5 yrs 3.94% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £0 None 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 4PQ
ALL LTV | First Start Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 4.14% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% APRC £0 None 3% until 31/10/2023, then 2% until 31/10/2024 4PR
5 yrs 4.24% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0 None 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 4PS
85% LTV | Self Cert Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 4.12% Fixed

until 30/09/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable

4.8% APRC £0

None

3% until 30/09/2023, then 2% until 30/09/2024 4CF
5 yrs 4.18% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £0 None 4% until 30/09/2024, then 3% until 30/09/2026, then 2% until 30/09/2027 4CG
90% LTV | Self Cert Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 4.19% Fixed until 30/09/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0 None 3% until 30/09/2023, then 2% until 30/09/2024 4CH
5 yrs 4.25% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £0 None 4% until 30/09/2024, then 3% until 30/09/2026, then 2% until 30/09/2027 4CJ
ALL LTV | Self Cert Fixed Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 4.29% Fixed until 30/09/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0 None 3% until 30/09/2023, then 2% until 30/09/2024 4CK
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 3.74% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% APRC £995 None 3% until 31/10/2023, then 2% until 31/10/2024 4ZD
2 yrs 4.09% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.8% APRC £0 None 3% until 31/10/2023, then 2% until 31/10/2024 4ZE
5 yrs 3.89% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £995 None 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 4ZF
5 yrs 4.09% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.5% APRC £0 None 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 4ZG
ALL 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 4.29% Fixed until 31/10/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.9% APRC £0 None 3% until 31/10/2023, then 2% until 31/10/2024 4ZH
5 yrs 4.29% Fixed until 31/10/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £0 None 4% until 31/10/2024, then 3% until 31/10/2026, then 2% until 31/10/2027 4ZJ

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