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Product Transfer Products

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

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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 21/11/2023.

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 5.14% 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 9GL
2 years 5.53% 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 9GM
5 years 4.96% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.6% APRC £995 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9GN
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 6.6% APRC £0 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9GP

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 5.24% 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 9GQ
2 years 5.59% 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 9GR
5 years 5.02% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.6% APRC £995 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9GS
5 years 5.30% 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 £0 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9GT
7 years 4.99% Fixed until 31/03/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.2% APRC £995 None 4% until 31/03/2028, then 3% until 31/03/2030, then 2% until 31/03/2031 9GU
7 years 5.27% Fixed until 31/03/2031 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 31/03/2028, then 3% until 31/03/2030, then 2% until 31/03/2031 9GV

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 5.64% 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 9GW
2 years 5.84% 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 9GX
5 years 5.14% 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 9GY
5 years 5.34% 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 £0 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9GZ

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 5.94% 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 9HA
5 years 5.38% 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 £0 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9HB

85% 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 5.99% 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 9JC
5 years 5.49% Fixed until 31/03/2029 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 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9JD

85% 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 5.99% 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 9JE
5 years 5.49% Fixed until 31/03/2029 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 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9JF

85% 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 5.99% 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 9JA
5 years 5.49% 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 9JB

85% 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 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 7.4% APRC £0 None 3% until 31/03/2025, then 2% until 31/03/2026 9HY
5 years 5.54% 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 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9HZ

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 5.44% 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 9HC
2 years 5.64% 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 9HD
2 years 5.99% 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 £0 None 3% until 31/03/2025, then 2% until 31/03/2026 9HE
5 years 5.20% 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 9HF
5 years 5.35% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.6% APRC £995 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9HG
5 years 5.65% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.6% APRC £0 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9HH

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 5.85% 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 9HJ
5 years 5.50% 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 9HK

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 6.29% 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 £0 None 3% until 31/03/2025, then 2% until 31/03/2026 9HL
5 years 5.69% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 6.6% APRC £0 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9HM

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 5.44% 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 9HN
2 years 5.64% 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 9HP
2 years 5.99% 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 9HQ
5 years 5.20% 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 £1995 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9HR
5 years 5.35% 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 £995 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9HS
5 years 5.65% Fixed until 31/03/2029 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 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9HT

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 5.85% 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 £995 None 3% until 31/03/2025, then 2% until 31/03/2026 9HU
5 years 5.50% Fixed until 31/03/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.0% APRC £995 None 4% until 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9HV

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 6.29% Fixed until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 8.04% variable 7.8% APRC £0 None 3% until 31/03/2025, then 2% until 31/03/2026 9HW
5 years 5.69% Fixed until 31/03/2029 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 31/03/2026, then 3% until 31/03/2028, then 2% until 31/03/2029 9HX

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