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 either our Residential products or Buy to Let products for new clients.
The Bank of Ireland Standard Variable Rate is currently 6.94%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 29/09/2026.
60% 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 | 4.98% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £1495 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | APYX |
| 2 years | 5.03% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.7% APRC | £995 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | APYY |
| 2 years | 5.33% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.7% APRC | £0 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | APYZ |
| 3 years | 5.04% Fixed | until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.5% APRC | £995 | None | 3% until 31/01/2029, then 2% until 31/01/2030 | APZA |
| 3 years | 5.29% Fixed | until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.5% APRC | £0 | None | 3% until 31/01/2029, then 2% until 31/01/2030 | APZB |
| 5 years | 5.07% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.2% APRC | £995 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | APZC |
| 5 years | 5.24% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.2% APRC | £0 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | APZD |
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 years | 5.06% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £1495 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | APZE |
| 2 years | 5.11% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.7% APRC | £995 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | APZG |
| 2 years | 5.44% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.7% APRC | £0 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | APZH |
| 3 years | 5.11% Fixed | until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.5% APRC | £995 | None | 3% until 31/01/2029, then 2% until 31/01/2030 | APZJ |
| 3 years | 5.49% Fixed | until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £0 | None | 3% until 31/01/2029, then 2% until 31/01/2030 | APZK |
| 5 years | 5.16% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.2% APRC | £995 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | APZL |
| 5 years | 5.39% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.3% APRC | £0 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | APZN |
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 | 5.19% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £1495 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | APZP |
| 2 years | 5.24% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £995 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | APZQ |
| 2 years | 5.49% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.7% APRC | £0 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | APZR |
| 3 years | 5.27% Fixed | until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £995 | None | 3% until 31/01/2029, then 2% until 31/01/2030 | APZS |
| 3 years | 5.59% Fixed | until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £0 | None | 3% until 31/01/2029, then 2% until 31/01/2030 | APZT |
| 5 years | 5.29% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.3% APRC | £995 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | APZU |
| 5 years | 5.44% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.3% APRC | £0 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | APZV |
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 years | 5.59% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £0 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | APZW |
| 5 years | 5.49% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.3% APRC | £0 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | APZX |
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 years | 5.44% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £0 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | APZY |
| 5 years | 5.39% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.4% APRC | £0 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | APZZ |
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 years | 5.44% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.7% APRC | £0 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQAA |
| 5 years | 5.39% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.1% APRC | £0 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQAB |
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 years | 5.64% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.4% APRC | £0 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQAC |
| 5 years | 5.59% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 5.9% APRC | £0 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQAD |
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 | 5.09% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.9% APRC | £1995 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQAE |
| 2 years | 5.17% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.7% APRC | £995 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQAG |
| 2 years | 5.54% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £0 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQAH |
| 3 years | 5.49% Fixed | until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £995 | None | 3% until 31/01/2029, then 2% until 31/01/2030 | AQAJ |
| 3 years | 5.64% Fixed | until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.5% APRC | £0 | None | 3% until 31/01/2029, then 2% until 31/01/2030 | AQAK |
| 5 years | 5.29% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.1% APRC | £995 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQAN |
| 5 years | 5.55% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.1% APRC | £0 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQAP |
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 | 5.39% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £995 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQAQ |
| 5 years | 5.44% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.2% APRC | £995 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQAR |
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 | 5.65% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.7% APRC | £0 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQAS |
| 5 years | 5.69% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.2% APRC | £0 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQAT |
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 | 5.09% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.7% APRC | £1995 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQAU |
| 2 years | 5.17% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.7% APRC | £995 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQAV |
| 2 years | 5.54% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £0 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQAW |
| 3 years | 5.49% Fixed | until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £995 | None | 3% until 31/01/2029, then 2% until 31/01/2030 | AQAX |
| 3 years | 5.64% Fixed | until 31/01/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.7% APRC | £0 | None | 3% until 31/01/2029, then 2% until 31/01/2030 | AQAY |
| 5 years | 5.29% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.3% APRC | £995 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQAZ |
| 5 years | 5.55% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.4% APRC | £0 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQBA |
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 | 5.39% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £995 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQBB |
| 5 years | 5.44% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.4% APRC | £995 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQBC |
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 | 5.65% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £0 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQBD |
| 5 years | 5.69% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.4% APRC | £0 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQBE |
60% LTV | Bespoke 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 | 5.14% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £1495 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQBG |
| 5 years | 5.24% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.3% APRC | £1495 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQBH |
75% LTV | Bespoke 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 | 5.19% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £1495 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQBJ |
| 5 years | 5.31% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.4% APRC | £1495 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQBK |
85% LTV | Bespoke 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 | 5.27% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £1495 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQBL |
| 5 years | 5.38% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.4% APRC | £1495 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQBN |
All LTV | Bespoke 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 | 5.59% Fixed | until 31/01/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.8% APRC | £0 | None | 3% until 31/01/2028, then 2% until 31/01/2029 | AQBP |
| 5 years | 5.49% Fixed | until 31/01/2032 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.4% APRC | £0 | None | 4% until 31/01/2029, then 3% until 31/01/2031, then 2% until 31/01/2032 | AQBQ |