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Intermediary use only

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We’re undertaking some maintenance to our systems on 27/04/2025. Our online application system will be unavailable from 08.00 to 13.00 hrs.

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 22/04/2025.

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 4.09% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.1% APRC £1995 None 3% until 31/08/2026, then 2% until 31/08/2027 AHDC
2 years 4.22% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHDD
2 years 4.59% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHDE
3 years 4.44% Fixed until 31/08/2028 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 31/08/2027, then 2% until 31/08/2028 AHDG
3 years 4.64% Fixed until 31/08/2028 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 31/08/2027, then 2% until 31/08/2028 AHDH
5 years 4.56% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHDJ
5 years 4.69% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHDK

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 4.38% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHDL
2 years 4.71% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHDN
3 years 4.54% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.8% APRC £995 None 3% until 31/08/2027, then 2% until 31/08/2028 AHDP
3 years 4.73% Fixed until 31/08/2028 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 31/08/2027, then 2% until 31/08/2028 AHDQ
5 years 4.61% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHDR
5 years 4.74% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHDS

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 4.74% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHDT
2 years 5.01% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHDU
5 years 4.76% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHDV
5 years 4.89% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHDW

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 5.14% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHDX
5 years 5.04% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHDY

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 4.86% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHDZ
5 years 4.89% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHEA

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 4.86% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHEB
5 years 4.89% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHEC

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 4.91% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.5% APRC £0 None 3% until 31/08/2026, then 2% until 31/08/2027 AHED
5 years 4.94% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 5.4% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHEE

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 4.29% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £1995 None 3% until 31/08/2026, then 2% until 31/08/2027 AHEG
2 years 4.49% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHEH
2 years 4.93% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHEJ
3 years 4.70% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.5% APRC £995 None 3% until 31/08/2027, then 2% until 31/08/2028 AHEK
3 years 4.96% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.5% APRC £0 None 3% until 31/08/2027, then 2% until 31/08/2028 AHEL
5 years 4.84% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.0% APRC £995 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHEN
5 years 4.99% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 5.9% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHEP

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 4.69% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHEQ
5 years 5.12% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHER

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 5.14% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHES
5 years 5.28% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHET

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 4.29% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.1% APRC £1995 None 3% until 31/08/2026, then 2% until 31/08/2027 AHEU
2 years 4.49% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHEV
2 years 4.93% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHEW
3 years 4.70% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.8% APRC £995 None 3% until 31/08/2027, then 2% until 31/08/2028 AHEX
3 years 4.96% Fixed until 31/08/2028 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 31/08/2027, then 2% until 31/08/2028 AHEY
5 years 4.84% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHEZ
5 years 4.99% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHFA

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 4.69% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHFB
5 years 5.12% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHFC

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 5.14% Fixed until 31/08/2027 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 31/08/2026, then 2% until 31/08/2027 AHFD
5 years 5.28% Fixed until 31/08/2030 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 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHFE
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