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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 7.44%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 02/07/2025.

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 3.99% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £1495 None 3% until 31/08/2026, then 2% until 31/08/2027 AHUJ
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 7.44% variable 6.9% APRC £995 None 3% until 31/08/2026, then 2% until 31/08/2027 AHUK
2 years 4.47% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £0 None 3% until 31/08/2026, then 2% until 31/08/2027 AHUN
3 years 4.27% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.7% APRC £1495 None 3% until 31/08/2027, then 2% until 31/08/2028 AHKA
3 years 4.34% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.6% APRC £995 None 3% until 31/08/2027, then 2% until 31/08/2028 AHUP
3 years 4.57% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.6% APRC £0 None 3% until 31/08/2027, then 2% until 31/08/2028 AHUQ
5 years 4.44% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.2% APRC £1495 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHKB
5 years 4.51% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.1% APRC £995 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHUR
5 years 4.67% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.1% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHUS

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 4.19% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% APRC £1495 None 3% until 31/08/2026, then 2% until 31/08/2027 AHKC
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 7.44% variable 7.0% APRC £995 None 3% until 31/08/2026, then 2% until 31/08/2027 AHUT
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 7.44% variable 6.9% APRC £0 None 3% until 31/08/2026, then 2% until 31/08/2027 AHUU
3 years 4.34% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.7% APRC £1495 None 3% until 31/08/2027, then 2% until 31/08/2028 AHKD
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 7.44% variable 6.7% APRC £995 None 3% until 31/08/2027, then 2% until 31/08/2028 AHUV
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 7.44% variable 6.6% APRC £0 None 3% until 31/08/2027, then 2% until 31/08/2028 AHUW
5 years 4.52% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.2% APRC £1495 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHKE
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 7.44% 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 4.71% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.1% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHUX

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 4.64% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.1% APRC £995 None 3% until 31/08/2026, then 2% until 31/08/2027 AHUY
2 years 4.88% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% APRC £0 None 3% until 31/08/2026, then 2% until 31/08/2027 AHUZ
5 years 4.66% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.2% APRC £995 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHVA
5 years 4.79% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.2% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHVB

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 4.98% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% APRC £0 None 3% until 31/08/2026, then 2% until 31/08/2027 AHVC
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 7.44% variable 6.2% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHVD

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 4.74% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.1% APRC £0 None 3% until 31/08/2026, then 2% until 31/08/2027 AHVE
5 years 4.86% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.5% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHVG

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 4.74% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £0 None 3% until 31/08/2026, then 2% until 31/08/2027 AHVH
5 years 4.86% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.0% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHVJ

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 4.79% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% APRC £0 None 3% until 31/08/2026, then 2% until 31/08/2027 AHVK
5 years 4.91% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 5.4% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AHVL

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 4.09% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £1995 None 3% until 31/08/2026, then 2% until 31/08/2027 AJAJ
2 years 4.27% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.8% APRC £995 None 3% until 31/08/2026, then 2% until 31/08/2027 AJAK
2 years 4.73% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.7% APRC £0 None 3% until 31/08/2026, then 2% until 31/08/2027 AJAL
3 years 4.55% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% APRC £995 None 3% until 31/08/2027, then 2% until 31/08/2028 AJAN
3 years 4.86% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.4% APRC £0 None 3% until 31/08/2027, then 2% until 31/08/2028 AJAP
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 7.44% variable 5.9% APRC £995 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AJAQ
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 7.44% variable 5.8% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AJAR

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 4.49% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.8% APRC £995 None 3% until 31/08/2026, then 2% until 31/08/2027 AJAS
5 years 4.87% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.0% APRC £995 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AJAT

ALL 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 4.84% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.7% APRC £0 None 3% until 31/08/2026, then 2% until 31/08/2027 AJAU
5 years 5.03% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 5.9% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AJAV

60% LTV | Buy to Let Fixed Rates | Top Slicing

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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 7.44% variable 6.9% APRC £1995 None 3% until 31/08/2026, then 2% until 31/08/2027 AJAW
2 years 4.27% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.9% APRC £995 None 3% until 31/08/2026, then 2% until 31/08/2027 AJAX
2 years 4.73% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% APRC £0 None 3% until 31/08/2026, then 2% until 31/08/2027 AJAY
3 years 4.55% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.7% APRC £995 None 3% until 31/08/2027, then 2% until 31/08/2028 AJAZ
3 years 4.86% Fixed until 31/08/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.7% APRC £0 None 3% until 31/08/2027, then 2% until 31/08/2028 AJBA
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 7.44% variable 6.2% APRC £995 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AJBB
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 7.44% variable 6.3% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AJBC

75% LTV | Buy to Let Fixed Rates | Top Slicing

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.49% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% APRC £995 None 3% until 31/08/2026, then 2% until 31/08/2027 AJBD
5 years 4.87% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.3% APRC £995 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AJBE

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 4.84% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 7.0% APRC £0 None 3% until 31/08/2026, then 2% until 31/08/2027 AJBG
5 years 5.03% Fixed until 31/08/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable 6.3% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AJBH
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