Skip to content
Alert Icon

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.  

If you didn’t introduce your client's mortgage or the mortgage started before June 2014, 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 8.04%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 21/02/2024.

Product Transfer Products

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 years 4.89% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.5% APRC £995 None 3% until 31/05/2025, then 2% until 31/05/2026 AAXU
2 years 5.19% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.5% APRC £0 None 3% until 31/05/2025, then 2% until 31/05/2026 AAXV
5 years 4.69% Fixed until 31/05/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.5% APRC £995 None 4% until 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 AAXW
5 years 4.89% Fixed until 31/05/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.5% APRC £0 None 4% until 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 AAXX

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 5.20% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% APRC £995 None 3% until 31/05/2025, then 2% until 31/05/2026 AAXY
2 years 5.39% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% APRC £0 None 3% until 31/05/2025, then 2% until 31/05/2026 AAXZ
5 years 4.79% Fixed until 31/05/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.6% APRC £995 None 4% until 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 AAYA
5 years 4.94% Fixed until 31/05/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.6% APRC £0 None 4% until 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 AAYB

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 years 5.49% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.6% APRC £0 None 3% until 31/05/2025, then 2% until 31/05/2026 AAYC
5 years 4.99% Fixed until 31/05/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.6% APRC £0 None 4% until 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 AAYD

75% 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 years 5.34% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% APRC £0 None 3% until 31/05/2025, then 2% until 31/05/2026 AAYK
5 years 5.04% Fixed until 31/05/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.8% APRC £0 None 4% until 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 AAYL

75% 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 years 5.34% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% APRC £0 None 3% until 31/05/2025, then 2% until 31/05/2026 AAYN
5 years 5.04% Fixed until 31/05/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £0 None 4% until 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 AAYP

75% 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 years 5.34% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.4% APRC £0 None 3% until 31/05/2025, then 2% until 31/05/2026 AAYH
5 years 5.04% Fixed until 31/05/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.3% APRC £0 None 4% until 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 AAYJ

75% 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 years 5.39% Fixed until 31/05/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% APRC £0 None 3% until 31/05/2025, then 2% until 31/05/2026 AAYE
5 years 5.09% Fixed until 31/05/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 5.8% APRC £0 None 4% until 31/05/2026, then 3% until 31/05/2028, then 2% until 31/05/2029 AAYG

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 years 5.09% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

7.6% APRC £1995

None

3% until 31/03/2025, then 2% until 31/03/2026 AAFC
2 years 5.29% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

7.5% APRC £995

None

3% until 31/03/2025, then 2% until 31/03/2026 AAFD
2 years 5.69% Fixed until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.4% APRC £0 3% until 31/03/2025, then 2% until 31/03/2026 AAFE
5 years 4.89% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.3% APRC £1995 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 AAFG
5 years 4.99% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.2% APRC £995 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 AAFH
5 years 5.24% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.2% APRC £0 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 AAFJ

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 years 5.54% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

7.6% APRC £995

None

3% until 31/03/2025, then 2% until 31/03/2026 AAFK
5 years 5.19% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.3% APRC £995 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 AAFN

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 years 6.04% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

7.6% APRC £0

None

3% until 31/03/2025, then 2% until 31/03/2026 AAFP
5 years 5.39% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.3% APRC £0 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 AAFQ

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 years 5.09% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

7.7% APRC £1995

None

3% until 31/03/2025, then 2% until 31/03/2026 AAFR
2 years 5.29% Fixed until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.7% APRC £995 3% until 31/03/2025, then 2% until 31/03/2026 AAFS
2 years 5.69% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

7.7% APRC £0

None

3% until 31/03/2025, then 2% until 31/03/2026 AAFT
5 years 4.89% Fixed

until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

6.7% APRC £1995

None

4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 AAFU
5 years 4.99% Fixed

until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

6.7% APRC £995

None

4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 AAFV
5 years 5.24% Fixed

until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

6.8% APRC £0

None

4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 AAFW

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 years 5.54% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

7.7% APRC £995

None

3% until 31/03/2025, then 2% until 31/03/2026 AAFX
5 years 5.19% Fixed

until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

6.8% APRC £995

None

4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 AAFY

All 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 years 6.04% Fixed

until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable

7.8% APRC £0

None

3% until 31/03/2025, then 2% until 31/03/2026 AAFZ
5 years 5.39% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £0 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 AAGA

Your browser is not supported. For the best experience, we recommend using the latest version of Chrome, Microsoft Edge, Firefox or Safari at 100% zoom level. You won’t be able to access our application system using Internet Explorer, please use one of the browsers suggested above.

Close