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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 their mortgage started after June 2014. Simply select a product and apply online.  

If you have any clients with a mortgage that started before June 2014 or the account number does not start with 80, 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 7.64%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 12/03/2025.

Product Transfer Products

60% 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 4.42% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.2% APRC £1995 None 3% until 31/05/2026, then 2% until 31/05/2027 AGNQ
2 years 4.55% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.2% APRC £995 None 3% until 31/05/2026, then 2% until 31/05/2027 AGNR
2 years 4.88% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.1% APRC £0 None 3% until 31/05/2026, then 2% until 31/05/2027 AGNS
3 years 4.69% Fixed

until 31/05/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.9% APRC £995 None 3% until 31/05/2027, then 2% until 31/05/2028 AGNT
3 years 4.89% Fixed

until 31/05/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.8% APRC £0 None 3% until 31/05/2027, then 2% until 31/05/2028 AGNU
5 years 4.76% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.4% APRC £995 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGNV
5 years 4.89% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.3% APRC £0 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGNW

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 4.65% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.2% APRC £995 None 3% until 31/05/2026, then 2% until 31/05/2027 AGNX
2 years 4.99% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.2% APRC £0 None 3% until 31/05/2026, then 2% until 31/05/2027 AGNY
3 years 4.77% Fixed

until 31/05/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.9% APRC £995 None 3% until 31/05/2027, then 2% until 31/05/2028 AGNZ
3 years 4.95% Fixed

until 31/05/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.8% APRC £0 None 3% until 31/05/2027, then 2% until 31/05/2028 AGPA
5 years 4.82% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.4% APRC £995 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGPB
5 years 4.94% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.3% APRC £0 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGPC

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 4.89% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.2% APRC £995 None 3% until 31/05/2026, then 2% until 31/05/2027 AGFH
2 years 5.16% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.2% APRC £0 None 3% until 31/05/2026, then 2% until 31/05/2027 AGFJ
5 years 4.97% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.5% APRC £995 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGFK
5 years 5.04% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.4% APRC £0 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGPD

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 5.24% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.2% APRC £0 None 3% until 31/05/2026, then 2% until 31/05/2027 AGFN
5 years 5.14% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.5% APRC £0 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGFP

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 5.14% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.3% APRC £0 None 3% until 31/05/2026, then 2% until 31/05/2027 AGPE
5 years 5.09% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.7% APRC £0 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGPG

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 5.14% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.1% APRC £0 None 3% until 31/05/2026, then 2% until 31/05/2027 AGPH
5 years 5.09% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.3% APRC £0 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGPJ

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 5.19% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.7% APRC £0 None 3% until 31/05/2026, then 2% until 31/05/2027 AGPK
5 years 5.14% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

5.7% APRC £0 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGPL

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 4.54% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.2% APRC £1995 None 3% until 31/05/2026, then 2% until 31/05/2027 AGPN
2 years 4.74% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.0% APRC £995 None 3% until 31/05/2026, then 2% until 31/05/2027 AGPP
2 years 5.18% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.0% APRC £0 None 3% until 31/05/2026, then 2% until 31/05/2027 AGPQ
3 years 4.93% Fixed

until 31/05/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.7% APRC £995 None 3% until 31/05/2027, then 2% until 31/05/2028 AGPR
3 years 5.17% Fixed

until 31/05/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.6% APRC £0 None 3% until 31/05/2027, then 2% until 31/05/2028 AGPS
5 years 4.99% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.2% APRC £995 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGPT
5 years 5.16% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.1% APRC £0 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGPU

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 4.99% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.1% APRC £995 None 3% until 31/05/2026, then 2% until 31/05/2027 AGGD
5 years 5.19% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.3% APRC £995 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGGE

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 5.34% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.0% APRC £0 None 3% until 31/05/2026, then 2% until 31/05/2027 AGPV
5 years 5.32% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.2% APRC £0 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGPW

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 4.54% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.2% APRC £1995 None 3% until 31/05/2026, then 2% until 31/05/2027 AGPX
2 years 4.74% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.2% APRC £995 None 3% until 31/05/2026, then 2% until 31/05/2027 AGPY
2 years 5.18% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.2% APRC £0 None 3% until 31/05/2026, then 2% until 31/05/2027 AGPZ
3 years 4.93% Fixed

until 31/05/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.9% APRC £995 None 3% until 31/05/2027, then 2% until 31/05/2028 AGQA
3 years 5.17% Fixed

until 31/05/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.9% APRC £0 None 3% until 31/05/2027, then 2% until 31/05/2028 AGQB
5 years 4.99% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.5% APRC £995 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGQC
5 years 5.16% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.5% APRC £0 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGQD

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 4.99% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.2% APRC £995 None 3% until 31/05/2026, then 2% until 31/05/2027 AGGT
5 years 5.19% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.6% APRC £995 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGGU

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 5.34% Fixed

until 31/05/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

7.3% APRC £0 None 3% until 31/05/2026, then 2% until 31/05/2027 AGQE
5 years 5.32% Fixed

until 31/05/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

6.6% APRC £0 None 4% until 31/05/2027, then 3% until 31/05/2029, then 2% until 31/05/2030 AGQG
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