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As part of the industry wide change issued by the Royal Institution of Chartered Surveyors (RICS), we’ll no longer be offering HomeBuyer reports and building surveys after 18 February. After 18 February, we’ll only be offering standard valuation reports. If you have any questions about the impact of these changes, please contact your BDM today.

Product Transfer Products

If your client is looking to transfer their mortgage, you'll find our product transfer rates below

Quick Links

Find your BDM

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 4.09%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 25/02/2021.

Product Transfer Products
ALL LTV | Self Cert Variable Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 4.09% Variable

which is our Standard Variable Rate for the entire mortgage term

 4.2% APRC £0

None

 No Early Redemption Charges. 5M8
ALL LTV | First Start Variable Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 4.09% Variable

which is our Standard Variable Rate for the entire mortgage term

 4.2% APRC £0

None

 No Early Redemption Charges. 5M9
ALL LTV | Residential Variable Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 4.09% Variable

which is our Standard Variable Rate for the entire mortgage term

 4.2% APRC £0

None

 No Early Redemption Charges. 5N3
ALL LTV | Buy to Let Variable Rates | ICR (Interest Cover Ratio) (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 4.09% Variable

which is our Standard Variable Rate for the entire mortgage term

 4.2% APRC £0

None

 No Early Redemption Charges. 5N2
75% LTV | First Start Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 2.91% Fixed

until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.9% APRC £0

None

 3% until 31/03/2022, then 2% until 31/03/2023 TF2
5 yrs 3.03% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.6% APRC £0

None

 4% until 31/03/2023, then 3% until 31/03/2025, then 2% until 31/03/2026 TF3
85% LTV | First Start Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.62% Fixed

until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 31/03/2022, then 2% until 31/03/2023 TH2
5 yrs 3.68% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.0% APRC £0

None

 4% until 31/03/2023, then 3% until 31/03/2025, then 2% until 31/03/2026 TH3
90% LTV | First Start Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.64% Fixed

until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 31/03/2022, then 2% until 31/03/2023 TH4
5 yrs 3.85% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 4% until 31/03/2023, then 3% until 31/03/2025, then 2% until 31/03/2026 TH5
ALL LTV | First Start Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.89% Fixed

until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 31/03/2022, then 2% until 31/03/2023 TH6
5 yrs 3.99% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 4% until 31/03/2023, then 3% until 31/03/2025, then 2% until 31/03/2026 TH7
ALL LTV | Help to Buy: Mortgage Guarantee Variable Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 4.09% Variable

which is our Standard Variable Rate for the entire mortgage term

 4.2% APRC £0

None

 No Early Redemption Charges. U2P
85% LTV | Help to Buy: Mortgage Guarantee Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.62% Fixed

until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 31/03/2022, then 2% until 31/03/2023 TU8
5 yrs 3.68% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.0% APRC £0

None

 4% until 31/03/2023, then 3% until 31/03/2025, then 2% until 31/03/2026 TU9
75% LTV | Help to Buy: Mortgage Guarantee Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 2.91% Fixed

until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.9% APRC £0

None

 3% until 31/03/2022, then 2% until 31/03/2023 TH8
5 yrs 3.03% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.6% APRC £0

None

 4% until 31/03/2023, then 3% until 31/03/2025, then 2% until 31/03/2026 TH9
90% LTV | Help to Buy: Mortgage Guarantee Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.64% Fixed

until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 31/03/2022, then 2% until 31/03/2023 UB2
5 yrs 3.85% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 4% until 31/03/2023, then 3% until 31/03/2025, then 2% until 31/03/2026 UB3
ALL LTV | Help to Buy: Mortgage Guarantee Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.89% Fixed

until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 31/03/2022, then 2% until 31/03/2023 UB4
5 yrs 3.99% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 4% until 31/03/2023, then 3% until 31/03/2025, then 2% until 31/03/2026 UB6
60% 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 2.87% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.0% APRC £995

None

 3% until 30/04/2022, then 2% until 30/04/2023 X8Z
2 yrs 3.11% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.9% APRC £0

None

 3% until 30/04/2022, then 2% until 30/04/2023 X9A
5 yrs 3.23% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.7% APRC £0

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 X9C
5 yrs 3.07% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.7% APRC £995

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 X9B
75% LTV | Help to Buy: Equity Loan Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 2.91% Fixed

until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.9% APRC £0

None

 3% until 31/03/2022, then 2% until 31/03/2023 UB7
5 yrs 3.03% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.6% APRC £0

None

 4% until 31/03/2023, then 3% until 31/03/2025, then 2% until 31/03/2026 UB8
85% LTV | Help to Buy: Equity Loan Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.62% Fixed

until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 31/03/2022, then 2% until 31/03/2023 UB9
5 yrs 3.68% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.0% APRC £0

None

 4% until 31/03/2023, then 3% until 31/03/2025, then 2% until 31/03/2026 UC2
75% LTV | Residential Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 2.87% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.0% APRC £995

None

 3% until 30/04/2022, then 2% until 30/04/2023 X9D
2 yrs 3.11% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.9% APRC £0

None

 3% until 30/04/2022, then 2% until 30/04/2023 X9E
5 yrs 3.23% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.7% APRC £0

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 X9G
5 yrs 3.07% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.7% APRC £995

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 X9F
85% LTV | Residential Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.62% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 30/04/2022, then 2% until 30/04/2023 X9J
2 yrs 3.37% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £995

None

 3% until 30/04/2022, then 2% until 30/04/2023 X9H
5 yrs 3.68% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.0% APRC £0

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 X9L
5 yrs 3.43% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.9% APRC £995

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 X9K
90% LTV | Residential Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.72% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 30/04/2022, then 2% until 30/04/2023 X9M
5 yrs 3.8% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.0% APRC £0

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 X9N
ALL LTV | Residential Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.89% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 30/04/2022, then 2% until 30/04/2023 X9P
5 yrs 3.99% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 X9Q
60% LTV | Buy to Let Fixed Rates | ICR (Interest Cover Ratio) (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 2.97% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.0% APRC £995

None

 3% until 30/04/2022, then 2% until 30/04/2023 X9R
5 yrs 3.17% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.8% APRC £995

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 X9T
75% LTV | Buy to Let Fixed Rates | ICR (Interest Cover Ratio) (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.15% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £995

None

 3% until 30/04/2022, then 2% until 30/04/2023 X9V
5 yrs 3.4% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.9% APRC £995

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 X9X
75% LTV | Self Cert Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.41% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.9% APRC £0

None

 3% until 30/04/2022, then 2% until 30/04/2023 Y2B
5 yrs 3.53% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 3.8% APRC £0

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 Y2C
ALL LTV | Buy to Let Fixed Rates | ICR (Interest Cover Ratio) (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.89% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 30/04/2022, then 2% until 30/04/2023 X9Z
5 yrs 3.99% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 Y2A
85% LTV | Self Cert Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.82% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 30/04/2022, then 2% until 30/04/2023 Y2D
5 yrs 3.88% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.0% APRC £0

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 Y2E
90% LTV | Self Cert Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.89% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 30/04/2022, then 2% until 30/04/2023 Y2F
5 yrs 3.95% Fixed

until 30/04/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 4% until 30/04/2023, then 3% until 30/04/2025, then 2% until 30/04/2026 Y2G
ALL LTV | Self Cert Fixed Rates (1) Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 yrs 3.99% Fixed

until 30/04/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable

 4.1% APRC £0

None

 3% until 30/04/2022, then 2% until 30/04/2023 Y2H

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