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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 11/05/2022.

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 yrs 2.94% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £995 None 3% until 31/07/2023, then 2% until 31/07/2024 4BF
2 yrs 3.29% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0 None 3% until 31/07/2023, then 2% until 31/07/2024 4BG
5 yrs 3.09% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.2% APRC £995 None 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4BH
5 yrs 3.39% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.2% APRC £0 None 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4BJ
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 2.99% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £995 None 3% until 31/07/2023, then 2% until 31/07/2024 4BK
2 yrs 3.34% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0 None 3% until 31/07/2023, then 2% until 31/07/2024 4BL
5 yrs 3.14% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.2% APRC £995 None 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4BM
5 yrs 3.39% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.2% APRC £0 None 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4BN
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 3.39% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0 None 3% until 31/07/2023, then 2% until 31/07/2024 4BP
5 yrs 3.49% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.3% APRC £0 None 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4BQ
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 3.89% Fixed until 31/07/2024 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 31/07/2023, then 2% until 31/07/2024 4BR
5 yrs 3.99% Fixed until 31/07/2027 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 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4BS
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 yrs 3.04% Fixed until 30/04/2024 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 30/04/2023, then 2% until 30/04/2024 3AX
5 yrs 3.29% Fixed until 30/04/2027 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 30/04/2024, then 3% until 30/04/2026, then 2% until 30/04/2027 3AY
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 3.09% Fixed until 30/04/2024 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 30/04/2023, then 2% until 30/04/2024 3AZ
5 yrs 3.34% Fixed until 30/04/2027 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 30/04/2024, then 3% until 30/04/2026, then 2% until 30/04/2027 3BA
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 yrs 3.04% Fixed until 30/04/2024 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 30/04/2023, then 2% until 30/04/2024 3AP
5 yrs 3.29% Fixed until 30/04/2027 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 30/04/2024, then 3% until 30/04/2026, then 2% until 30/04/2027 3AQ
85% 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 3.09% Fixed until 30/04/2024 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 30/04/2023, then 2% until 30/04/2024 3AR
5 yrs 3.34% Fixed until 30/04/2027 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 30/04/2024, then 3% until 30/04/2026, then 2% until 30/04/2027 3AS
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 3.47% Fixed until 30/04/2024 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 30/04/2023, then 2% until 30/04/2024 3AT
5 yrs 3.89% Fixed until 30/04/2027 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 30/04/2024, then 3% until 30/04/2026, then 2% until 30/04/2027 3AU
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 3.89% Fixed until 30/04/2024 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 30/04/2023, then 2% until 30/04/2024 3AV
5 yrs 3.99% Fixed until 30/04/2027 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 30/04/2024, then 3% until 30/04/2026, then 2% until 30/04/2027 3AW
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 yrs 3.04% Fixed until 30/04/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0 None 3% until 30/04/2023, then 2% until 30/04/2024 3AE
5 yrs 3.29% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.3% APRC £0 None 4% until 30/04/2024, then 3% until 30/04/2026, then 2% until 30/04/2027 3AF
85% 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 3.09% Fixed until 30/04/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0 None 3% until 30/04/2023, then 2% until 30/04/2024 3AG
5 yrs 3.34% Fixed until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.3% APRC £0 None 4% until 30/04/2024, then 3% until 30/04/2026, then 2% until 30/04/2027 3AH
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 3.47% Fixed until 30/04/2024 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 30/04/2023, then 2% until 30/04/2024 3AJ
5 yrs 3.89% Fixed until 30/04/2027 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 30/04/2024, then 3% until 30/04/2026, then 2% until 30/04/2027 3AK
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 3.89% Fixed until 30/04/2024 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 30/04/2023, then 2% until 30/04/2024 3AL
5 yrs 3.99% Fixed until 30/04/2027 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 30/04/2024, then 3% until 30/04/2026, then 2% until 30/04/2027 3AN
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 yrs 3.81% Fixed until 30/09/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £0 None 3% until 30/09/2023, then 2% until 30/09/2024 4CD
5 yrs 3.93% Fixed until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.3% APRC £0 None 4% until 30/09/2024, then 3% until 30/09/2026, then 2% until 30/09/2027 4CE
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 4.7% 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
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 yrs 2.99% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £995 None 3% until 31/07/2023, then 2% until 31/07/2024 4BT
2 yrs 3.44% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.6% APRC £0 None 3% until 31/07/2023, then 2% until 31/07/2024 4BU
5 yrs 3.24% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.1% APRC £995 None 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4BV
5 yrs 3.54% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.2% APRC £0 None 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4BW
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 3.19% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £995 None 3% until 31/07/2023, then 2% until 31/07/2024 4BX
2 yrs 3.64% Fixed until 31/07/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.7% APRC £0 None 3% until 31/07/2023, then 2% until 31/07/2024 4BY
5 yrs 3.44% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.3% APRC £995 None 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4BZ
5 yrs 3.69% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.99% variable 4.3% APRC £0 None 4% until 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4CA
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 3.89% Fixed until 31/07/2024 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 31/07/2023, then 2% until 31/07/2024 4CB
5 yrs 3.99% Fixed until 31/07/2027 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 31/07/2024, then 3% until 31/07/2026, then 2% until 31/07/2027 4CC

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