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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.  

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 30/04/2024.

Product Transfer Products

75% LTV | Residential Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.34% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ABZA
2 years 5.64% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ABZB
5 years 5.14% Fixed until 31/08/2029 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ABZC
5 years 5.29% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.7% APRC £0 None 4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ABZD

85% LTV | Residential Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.44% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ABZE
2 years 5.69% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ABZG
5 years 5.24% Fixed until 31/08/2029 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ABZH
5 years 5.34% Fixed until 31/08/2029 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ABZJ

ALL LTV | Residential Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.74% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ABZK
5 years 5.39% Fixed until 31/08/2029 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ABZL

75% LTV | Help to Buy Mortgage Guarantee Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.79% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ABZS
5 years 5.44% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.0% APRC £0 None 4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ABZT

75% LTV | Help to Buy Equity Loan Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.79% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ABZU
5 years 5.44% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.1% APRC £0 None 4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ABZV

75% LTV | First Start Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.79% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ABZQ
5 years 5.44% Fixed until 31/08/2029 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ABZR

75% LTV | Self Cert Fixed Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.84% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.3% APRC £0 None 3% until 31/08/2025, then 2% until 31/08/2026 ABZN
5 years 5.49% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.1% APRC £0 None 4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ABZP

60% LTV | Buy to Let Fixed Rates | ICR (Interest Cover Ratio)

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.14% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.5% APRC £1995 None 3% until 31/08/2025, then 2% until 31/08/2026 ABZW
2 years 5.42% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.4% APRC £995 None 3% until 31/08/2025, then 2% until 31/08/2026 ABZX
2 years 5.69% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.3% APRC £0 None 3% until 31/08/2025, then 2% until 31/08/2026 ABZY
5 years 5.09% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.4% APRC £1995 None 4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ABZZ
5 years 5.24% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.3% APRC £995 None 4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACAA
5 years 5.49% Fixed until 31/08/2029 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACAB

75% LTV | Buy to Let Fixed Rates | ICR (Interest Cover Ratio)

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.54% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ACAC
5 years 5.34% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.4% APRC £995 None 4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACAD

ALL LTV | Buy to Let Fixed Rates | ICR (Interest Cover Ratio)

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.89% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ACAE
5 years 5.54% Fixed until 31/08/2029 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACAG

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 5.14% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ACAH
2 years 5.42% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ACAJ
2 years 5.69% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ACAK
5 years 5.09% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.8% APRC £1995 None 4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACAL
5 years 5.24% Fixed until 31/08/2029 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACAN
5 years 5.49% Fixed until 31/08/2029 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACAP

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 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ACAQ
5 years 5.34% Fixed until 31/08/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.9% APRC £995 None 4% until 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACAR

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 5.89% Fixed until 31/08/2026 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 31/08/2025, then 2% until 31/08/2026 ACAS
5 years 5.54% Fixed until 31/08/2029 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 31/08/2026, then 3% until 31/08/2028, then 2% until 31/08/2029 ACAT

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