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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.

  • Product transfer information
  • How to submit a Product Transfer
  • Start a chat with our product transfer team
  • Lending criteria

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 7.19%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 02/09/2025.

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 3.94% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £1495 None 3% until 30/11/2026, then 2% until 30/11/2027 AJGH
2 years 3.99% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £995 None 3% until 30/11/2026, then 2% until 30/11/2027 AJGJ
2 years 4.47% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £0 None 3% until 30/11/2026, then 2% until 30/11/2027 AJGK
3 years 4.19% Fixed until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.4% APRC £1495 None 3% until 30/11/2027, then 2% until 30/11/2028 AJGL
3 years 4.29% Fixed until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.4% APRC £995 None 3% until 30/11/2027, then 2% until 30/11/2028 AJGN
3 years 4.57% Fixed until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.4% APRC £0 None 3% until 30/11/2027, then 2% until 30/11/2028 AJGP
5 years 4.39% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £1495 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJGQ
5 years 4.46% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £995 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJGR
5 years 4.67% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £0 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJGS

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 4.14% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% APRC £1495 None 3% until 30/11/2026, then 2% until 30/11/2027 AJGT
2 years 4.19% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £995 None 3% until 30/11/2026, then 2% until 30/11/2027 AJGU
2 years 4.54% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.7% APRC £0 None 3% until 30/11/2026, then 2% until 30/11/2027 AJGV
3 years 4.29% Fixed until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.5% APRC £1495 None 3% until 30/11/2027, then 2% until 30/11/2028 AJGW
3 years 4.34% Fixed until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.4% APRC £995 None 3% until 30/11/2027, then 2% until 30/11/2028 AJGX
3 years 4.55% Fixed until 30/11/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.4% APRC £0 None 3% until 30/11/2027, then 2% until 30/11/2028 AJGY
5 years 4.52% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £1495 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJGZ
5 years 4.61% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £995 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJHA
5 years 4.71% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £0 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJHB

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 4.59% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% APRC £995 None 3% until 30/11/2026, then 2% until 30/11/2027 AJHC
2 years 4.83% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% APRC £0 None 3% until 30/11/2026, then 2% until 30/11/2027 AJHD
5 years 4.66% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £995 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJHE
5 years 4.79% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £0 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJHG

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 4.88% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% APRC £0 None 3% until 30/11/2026, then 2% until 30/11/2027 AJHH
5 years 4.89% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £0 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJHJ

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 4.69% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.9% APRC £0 None 3% until 30/11/2026, then 2% until 30/11/2027 AJHK
5 years 4.86% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.3% APRC £0 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJHL

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 4.69% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.6% APRC £0 None 3% until 30/11/2026, then 2% until 30/11/2027 AJHN
5 years 4.86% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 5.9% APRC £0 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJHP

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 4.74% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% APRC £0 None 3% until 30/11/2026, then 2% until 30/11/2027 AJHQ
5 years 4.91% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 5.4% APRC £0 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJHR

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 7.19% variable 6.8% 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 7.19% variable 6.7% 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 7.19% variable 6.6% 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 7.19% 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 7.19% variable 6.3% 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 7.19% 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 7.19% 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 7.19% variable 6.7% 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 7.19% 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 7.19% variable 6.6% 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 7.19% 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 7.19% variable 6.8% 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 7.19% variable 6.8% 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 7.19% variable 6.8% 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 7.19% variable 6.6% 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 7.19% variable 6.6% 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 7.19% variable 6.1% 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 7.19% variable 6.2% 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 7.19% variable 6.8% 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 7.19% variable 6.2% 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

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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 7.19% variable 6.8% 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 7.19% variable 6.2% APRC £0 None 4% until 31/08/2027, then 3% until 31/08/2029, then 2% until 31/08/2030 AJBH

60% LTV | Bespoke 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 4.32% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% APRC £1495 None 3% until 30/11/2026, then 2% until 30/11/2027 AJHS
5 years 4.48% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £1495 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJHT

75% LTV | Bespoke 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 4.39% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% APRC £1495 None 3% until 30/11/2026, then 2% until 30/11/2027 AJHU
5 years 4.59% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% APRC £1495 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJHV

85% LTV | Bespoke 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 4.45% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.8% APRC £1495 None 3% until 30/11/2026, then 2% until 30/11/2027 AJHW
5 years 4.65% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.2% APRC £1495 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJHX

All LTV | Bespoke 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 4.92% Fixed until 30/11/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.9% APRC £0 None 3% until 30/11/2026, then 2% until 30/11/2027 AJHY
5 years 4.99% Fixed until 30/11/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.3% APRC £0 None 4% until 30/11/2027, then 3% until 30/11/2029, then 2% until 30/11/2030 AJHZ
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