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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. 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 4.24%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 06/01/2022.

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 1.99% Fixed until 29/02/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.9% APRC £995 None 3% until 28/02/2023, then 2% until 29/02/2024 2UA
2 yrs 2.49% Fixed until 29/02/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.9% APRC £0 None 3% until 28/02/2023, then 2% until 29/02/2024 2UB
5 yrs 2.37% Fixed until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.5% APRC £995 None 4% until 29/02/2024, then 3% until 28/02/2026, then 2% until 28/02/2027 2UC
5 yrs 2.79% Fixed until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.6% APRC £0 None 4% until 29/02/2024, then 3% until 28/02/2026, then 2% until 28/02/2027 2UD
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 2.20% Fixed until 29/02/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.9% APRC £995 None 3% until 28/02/2023, then 2% until 29/02/2024 2UE
2 yrs 2.54% Fixed until 29/02/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.9% APRC £0 None 3% until 28/02/2023, then 2% until 29/02/2024 2UF
5 yrs 2.58% Fixed until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.6% APRC £995 None 4% until 29/02/2024, then 3% until 28/02/2026, then 2% until 28/02/2027 2UG
5 yrs 2.84% Fixed until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.6% APRC £0 None 4% until 29/02/2024, then 3% until 28/02/2026, then 2% until 28/02/2027 2UH
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 2.92% Fixed until 29/02/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.0% APRC £0 None 3% until 28/02/2023, then 2% until 29/02/2024 2UJ
5 yrs 3.39% Fixed until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.9% APRC £0 None 4% until 29/02/2024, then 3% until 28/02/2026, then 2% until 28/02/2027 2UK
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 29/02/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.2% APRC £0 None 3% until 28/02/2023, then 2% until 29/02/2024 2UL
5 yrs 3.99% Fixed until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.2% APRC £0 None 4% until 29/02/2024, then 3% until 28/02/2026, then 2% until 28/02/2027 2UM
ALL LTV | Residential Variable Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 4.24% Variable which is our Standard Variable Rate for the entire mortgage term 4.3% APRC £0 None No Early Redemption Charges. 5N3
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 4.24% variable 4.0% 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 4.24% variable 3.8% 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 4.24% variable 4.0% 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 4.24% variable 3.9% 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 4.24% variable 4.0% 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 4.24% variable 3.8% 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 4.24% variable 4.0% 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 4.24% variable 3.9% 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 4.24% variable 4.1% 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 4.24% variable 4.1% 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 4.24% variable 4.2% 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 4.24% variable 4.2% APRC £0 None 4% until 30/04/2024, then 3% until 30/04/2026, then 2% until 30/04/2027 3AW
ALL LTV | Help to Buy: Mortgage Guarantee Variable Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 4.24% Variable which is our Standard Variable Rate for the entire mortgage term 4.3% APRC £0 None No Early Redemption Charges. U2P
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 4.24% variable 4.0% 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 4.24% variable 3.8% 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 4.24% variable 4.0% 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 4.24% variable 3.9% 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 4.24% variable 4.1% 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 4.24% variable 4.1% 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 4.24% variable 4.2% 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 4.24% variable 4.2% APRC £0 None 4% until 30/04/2024, then 3% until 30/04/2026, then 2% until 30/04/2027 3AN
ALL LTV | First Start Variable Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 4.24% Variable which is our Standard Variable Rate for the entire mortgage term 4.3% APRC £0 None No Early Redemption Charges. 5M9
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 3.41% Fixed until 31/03/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.0% APRC £0 None 3% until 31/03/2023, then 2% until 31/03/2024 2RA
5 yrs 3.53% Fixed until 31/03/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.8% APRC £0 None 4% until 31/03/2024, then 3% until 31/03/2026, then 2% until 31/03/2027 2RB
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 3.82% Fixed until 31/03/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.2% APRC £0 None 3% until 31/03/2023, then 2% until 31/03/2024 2RC
5 yrs 3.88% Fixed until 31/03/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.1% APRC £0 None 4% until 31/03/2024, then 3% until 31/03/2026, then 2% until 31/03/2027 2RD
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 3.89% Fixed until 31/03/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.2% APRC £0 None 3% until 31/03/2023, then 2% until 31/03/2024 2RE
5 yrs 3.95% Fixed until 31/03/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.1% APRC £0 None 4% until 31/03/2024, then 3% until 31/03/2026, then 2% until 31/03/2027 2RF
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 3.99% Fixed until 31/03/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.2% APRC £0 None 3% until 31/03/2023, then 2% until 31/03/2024 2RG
ALL LTV | Self Cert Variable Rates Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 4.24% Variable which is our Standard Variable Rate for the entire mortgage term 4.3% APRC £0 None No Early Redemption Charges. 5M8
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 2.57% Fixed until 29/02/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.0% APRC £995 None 3% until 28/02/2023, then 2% until 29/02/2024 2UN
2 yrs 3.21% Fixed until 29/02/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.1% APRC £0 None 3% until 28/02/2023, then 2% until 29/02/2024 2UP
5 yrs 2.87% Fixed until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.7% APRC £995 None 4% until 29/02/2024, then 3% until 28/02/2026, then 2% until 28/02/2027 2UQ
5 yrs 3.33% Fixed until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.8% APRC £0 None 4% until 29/02/2024, then 3% until 28/02/2026, then 2% until 28/02/2027 2UR
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 2.85% Fixed until 29/02/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.1% APRC £995 None 3% until 28/02/2023, then 2% until 29/02/2024 2US
2 yrs 3.38% Fixed until 29/02/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.1% APRC £0 None 3% until 28/02/2023, then 2% until 29/02/2024 2UT
5 yrs 3.10% Fixed until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.8% APRC £995 None 4% until 29/02/2024, then 3% until 28/02/2026, then 2% until 28/02/2027 2UU
5 yrs 3.58% Fixed until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 3.9% APRC £0 None 4% until 29/02/2024, then 3% until 28/02/2026, then 2% until 28/02/2027 2UV
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 29/02/2024 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.2% APRC £0 None 3% until 28/02/2023, then 2% until 29/02/2024 2UW
5 yrs 3.99% Fixed until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.24% variable 4.2% APRC £0 None 4% until 29/02/2024, then 3% until 28/02/2026, then 2% until 28/02/2027 2UX
ALL LTV | Buy to Let Variable 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
Standard Variable rate 4.24% Variable which is our Standard Variable Rate for the entire mortgage term 4.3% APRC £0 None No Early Redemption Charges. 5N2

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