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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 4.09%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 21/04/2021.

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 3.11% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £0 None 3% until 31/08/2022, then 2% until 31/08/2023 Z4H
2 yrs 2.87% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £995 None 3% until 31/08/2022, then 2% until 31/08/2023 Z4G
5 yrs 3.23% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £0 None 4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z4K
5 yrs 3.07% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £995 None 4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z4J
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 3.18% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £0 None 3% until 31/08/2022, then 2% until 31/08/2023 Z4M
2 yrs 2.92% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £995 None 3% until 31/08/2022, then 2% until 31/08/2023 Z4L
5 yrs 3.14% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £995 None 4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z4N
5 yrs 3.30% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £0 None 4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z4P
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 3.62% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 3% until 31/08/2022, then 2% until 31/08/2023 Z4Q
5 yrs 3.80% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0 None 4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z4R
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 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 3% until 31/08/2022, then 2% until 31/08/2023 Z4S
5 yrs 3.99% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z4T
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 4.09% Variable which is our Standard Variable Rate for the entire mortgage term 4.2% 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 3.11% Fixed until 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £0 None 3% until 31/10/2022, then 2% until 31/10/2023 Y9U
5 yrs 3.23% Fixed until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £0 None 4% until 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 Y9V
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 3.62% Fixed until 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0 None 3% until 31/10/2022, then 2% until 31/10/2023 Y9W
5 yrs 3.68% Fixed until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0 None 4% until 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 Y9X
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 3.11% Fixed until 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £0 None 3% until 31/10/2022, then 2% until 31/10/2023 Y9L
5 yrs 3.23% Fixed until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £0 None 4% until 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 Y9M
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 3.62% Fixed until 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0 None 3% until 31/10/2022, then 2% until 31/10/2023 Y9N
5 yrs 3.68% Fixed until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0 None 4% until 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 Y9P
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 3.72% Fixed until 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 3% until 31/10/2022, then 2% until 31/10/2023 Y9Q
5 yrs 3.80% Fixed until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0 None 4% until 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 Y9R
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 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 3% until 31/10/2022, then 2% until 31/10/2023 Y9S
5 yrs 3.99% Fixed until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 4% until 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 Y9T
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 4.09% Variable which is our Standard Variable Rate for the entire mortgage term 4.2% 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 3.11% Fixed until 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £0 None 3% until 31/10/2022, then 2% until 31/10/2023 Y9C
5 yrs 3.23% Fixed until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.7% APRC £0 None 4% until 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 Y9D
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 3.62% Fixed until 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0 None 3% until 31/10/2022, then 2% until 31/10/2023 Y9E
5 yrs 3.68% Fixed until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0 None 4% until 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 Y9F
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 3.72% Fixed until 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 3% until 31/10/2022, then 2% until 31/10/2023 Y9G
5 yrs 3.80% Fixed until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0 None 4% until 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 Y9H
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 31/10/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 3% until 31/10/2022, then 2% until 31/10/2023 Y9J
5 yrs 3.99% Fixed until 31/10/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 4% until 31/10/2023, then 3% until 31/10/2025, then 2% until 31/10/2026 Y9K
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 4.09% Variable which is our Standard Variable Rate for the entire mortgage term 4.2% 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 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £0 None 3% until 31/08/2022, then 2% until 31/08/2023 Z5A
5 yrs 3.53% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £0 None 4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z5B
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 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 3% until 31/08/2022, then 2% until 31/08/2023 Z5C
5 yrs 3.88% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £0 None 4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z5D
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 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 3% until 31/08/2022, then 2% until 31/08/2023 Z5E
5 yrs 3.95% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z5F
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 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 3% until 31/08/2022, then 2% until 31/08/2023 Z5G
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 4.09% Variable which is our Standard Variable Rate for the entire mortgage term 4.2% 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 2.97% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.0% APRC £995 None 3% until 31/08/2022, then 2% until 31/08/2023 Z4U
5 yrs 3.17% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.8% APRC £995 None 4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z4V
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 3.15% Fixed until 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £995 None 3% until 31/08/2022, then 2% until 31/08/2023 Z4W
5 yrs 3.40% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 3.9% APRC £995 None 4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z4X
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 31/08/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 3% until 31/08/2022, then 2% until 31/08/2023 Z4Y
5 yrs 3.99% Fixed until 31/08/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable 4.1% APRC £0 None 4% until 31/08/2023, then 3% until 31/08/2025, then 2% until 31/08/2026 Z4Z
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 4.09% Variable which is our Standard Variable Rate for the entire mortgage term 4.2% APRC £0 None No Early Redemption Charges. 5N2

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