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New Business Products

Find the right products to suit your clients’ needs. For existing mortgage customers, see our product transfer and further advance product pages.

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We offer a range of Residential and Buy to Let mortgages, giving your clients greater choice. Use the filters below to find the right product for your client.

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 24/04/2025.

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New Business Products

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 4.22% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.2% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHHY
2 years 4.32% 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 £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHHZ
2 years 4.46% 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
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJA
3 years 4.34% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHD
3 years 4.45% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.9% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHE

80% LTV | Residential Fixed Rates | For Purchases Only

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.36% 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 £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJB
2 years 4.53% 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
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJC
3 years 4.44% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHG
3 years 4.58% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £0
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHH

80% 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 4.29% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.2% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJD
2 years 4.39% 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 £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJE
2 years 4.54% 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 £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJG
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 7.64% variable 7.2% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJH
3 years 4.39% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHJ
3 years 4.46% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHK
3 years 4.62% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHL

85% LTV | Residential Fixed Rates | For Purchases Only

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.18% 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 £1495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJJ
2 years 4.28% 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 £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJK
2 years 4.39% 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 £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJL
2 years 4.56% 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
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJN
3 years 4.52% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHN
3 years 4.60% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £0
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHP
5 years 4.40% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.5% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGYU
5 years 4.46% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.5% APRC £0
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGYV

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 years 4.44% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.3% APRC £1495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJP
2 years 4.53% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.3% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJQ
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 7.2% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJR
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 7.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJS
3 years 4.47% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £1495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHQ
3 years 4.55% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHR
3 years 4.58% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHS
3 years 4.74% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHT
5 years 4.39% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.6% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGYY
5 years 4.41% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.5% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGYZ
5 years 4.52% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.6% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGYD
5 years 4.59% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGYE
7 years 4.70% Fixed

until 30/06/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

 6.3% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2029, then 3% until 30/06/2031, then 2% until 30/06/2032 AGUJ

85% LTV | Residential Fixed Rates | For First Time Buyers Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.94% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.8% APRC £995
  • £3,000 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £300,000
  • Repayment Methods: Capital Repayment
  • At least 1 applicant needs to be a first time buyer
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGXD

89% LTV | Residential Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 4.52% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.3% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJT
2 years 4.60% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.3% APRC £995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJU

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 years 4.72% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJV
2 years 4.89% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.3% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJW
3 years 4.76% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHU
3 years 4.83% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.1% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHV
5 years 4.65% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGYG
5 years 4.74% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.7% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGYH
7 years 4.89% Fixed

until 30/06/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

 6.4% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2029, then 3% until 30/06/2031, then 2% until 30/06/2032 AGUN

90% LTV | Residential Fixed Rates | For First Time Buyers Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 5.12% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.8% APRC £0
  • £1,000 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
  • At least 1 applicant must be a first time buyer to be eligible for this product
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGXE
5 years 5.12% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.8% APRC £0
  • £2,000 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £200,000
  • Repayment Methods: Capital Repayment
  • At least 1 applicant must be a first time buyer to be eligible for this product
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGXG
5 years 5.12% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.8% APRC £0
  • £3,000 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £300,000
  • Repayment Methods: Capital Repayment
  • At least 1 applicant must be a first time buyer to be eligible for this product
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGXH

95% LTV | Residential Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.05% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJX
2 years 5.20% Fixed until 31/08/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.4% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/08/2026, then 2% until 31/08/2027 AHJY
3 years 5.06% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.1% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHW
3 years 5.17% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.2% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHHX
5 years 4.94% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGZE
5 years 5.02% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.8% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGZG

95% LTV | Residential Fixed Rates | For First Time Buyers Only

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 5.42% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.9% APRC £0
  • £1,000 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
  • At least 1 applicant must be a first time buyer to be eligible for this product
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGXJ
5 years 5.42% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.9% APRC £0
  • £2,000 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £200,000
  • Repayment Methods: Capital Repayment
  • At least 1 applicant must be a first time buyer to be eligible for this product
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGXK
5 years 5.42% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.9% APRC £0
  • £3,000 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £300,000
  • Repayment Methods: Capital Repayment
  • At least 1 applicant must be a first time buyer to be eligible for this product
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGXL

85% 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 7.64% Variable which is our Standard Variable Rate for the entire mortgage term 7.9% APRC £0 Repayment Methods: Capital Repayment No Early Redemption Charges. MTX

85% LTV | First Start Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.59% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.5% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £100,000
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGZH

90% LTV | First Start Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.85% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGYN

95% LTV | First Start Fixed Rates | For Purchases Only

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 5.14% Fixed until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGZJ

75% LTV | Buy to Let Green 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 4.42% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.1% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHBG
2 years 4.47% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.2% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHBH
3 years 4.47% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.8% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHBJ
3 years 4.52% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.9% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHBK
5 years 4.75% Fixed

until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

 6.5% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGUT
5 years 4.80% Fixed

until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

 6.6% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGUU

75% LTV | Buy to Let Green 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 4.52% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.2% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHBZ
2 years 4.57% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.2% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHCA
5 years 4.75% Fixed

until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

 6.5% APRC £1495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGUX
5 years 4.80% Fixed

until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

 6.6% APRC £1495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A or B
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGUY

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 years 4.32% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.2% APRC £995
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHBL
2 years 4.47% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.1% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHBN
3 years 4.43% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.9% APRC £995
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHBP
3 years 4.54% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.8% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHBQ

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 4.47% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.1% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHBR
2 years 4.47% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.2% APRC £995
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHBS
2 years 4.64% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.1% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHBT
3 years 4.49% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.9% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHBU
3 years 4.52% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.8% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHBV
3 years 4.52% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.9% APRC £995
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHBW
3 years 4.64% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.8% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHBX
3 years 4.73% Fixed until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 6.9% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2027, then 2% until 31/07/2028 AHBY
5 years 4.80% Fixed

until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

 6.5% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGVE
5 years 4.85% Fixed

until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

 6.5% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGVG
5 years 4.90% Fixed

until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

 6.5% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGVH

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 4.32% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.2% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHCB
2 years 4.42% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.1% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHCC

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 4.42% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.2% APRC £1995
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHCD
2 years 4.57% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.2% APRC £995
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHCE
2 years 4.70% Fixed until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable 7.2% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/07/2026, then 2% until 31/07/2027 AHCG
5 years 4.75% Fixed

until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

 6.6% APRC £2495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGVQ
5 years 4.80% Fixed

until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

 6.6% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGVR
5 years 4.85% Fixed

until 30/06/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable

 6.6% APRC £995
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 30/06/2027, then 3% until 30/06/2029, then 2% until 30/06/2030 AGVS

Buy to Let Top Slicing now available

Boost your client’s borrowing power with:

  • loan sizes up to £750,000
  • a minimum 100% rental income cover
  • 5+ year products stress rate: The higher of 4.5% or product pay rate +1%
Find out more about Buy to Let
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