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Residential Products

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

We offer a range of Residential 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 6.94%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 25/03/2026.

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Residential 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 4.84% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £0
  • 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 30/06/2027, then 2% until 30/06/2028 ALVY

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 4.69% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
3% until 30/06/2027, then 2% until 30/06/2028 ALVZ
2 years 4.94% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
3% until 30/06/2027, then 2% until 30/06/2028 ALWA

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 4.85% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £495
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 ALWB
2 years 4.98% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 ALWC
5 years 4.85% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALWD
5 years 4.94% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALWE

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 4.82% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 ALWG
2 years 5.04% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 ALWH
5 years 4.84% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £1495
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALWJ
5 years 4.94% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALWK

90% 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 4.97% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 ALWL
2 years 5.09% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 ALWN
2 years 5.19% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 ALWP
5 years 4.95% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALWQ
5 years 5.04% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALWR

95% 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 5.39% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 ALWS
2 years 5.59% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.9% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 ALWT
5 years 5.29% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALWU
5 years 5.40% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £0
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 ALWV

85% LTV | Residential Variable Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 6.94% Variable which is our Standard Variable Rate for the entire mortgage term 7.2% APRC £0 Repayment Methods: Capital Repayment No Early Redemption Charges. MTX

60% LTV | Bespoke 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 4.84% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMBY
2 years 4.94% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMBZ
2 years 4.94% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMCA
5 years 4.92% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AMCB

70% LTV | Bespoke 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 4.97% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
3% until 30/06/2027, then 2% until 30/06/2028 AMCC
5 years 4.95% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AMCD

75% LTV | Bespoke 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 4.90% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
3% until 30/06/2027, then 2% until 30/06/2028 AMCE
2 years 5.00% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
3% until 30/06/2027, then 2% until 30/06/2028 AMCG
5 years 5.00% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AMCH

80% LTV | Bespoke 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 5.10% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMCJ
5 years 5.00% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £1,000,000
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AMCK

85% LTV | Bespoke 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 4.93% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £2995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMCL
2 years 5.13% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMCN
5 years 5.10% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AMCP

90% LTV | Bespoke 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 5.09% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.9% APRC £2995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £200,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMCQ
2 years 5.17% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £1995
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £200,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMCR
2 years 5.40% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMCS
5 years 5.24% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £995
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £200,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AMCT
5 years 5.28% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £150,000
  • Maximum Loan £750,000
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AMCU

75% LTV | Bespoke Large Loans 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 5.02% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
3% until 30/06/2027, then 2% until 30/06/2028 AMCV
5 years 5.03% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AMCW

85% LTV | Bespoke Large Loans Fixed Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.13% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMCX
5 years 5.11% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AMCY

90% LTV | Bespoke Large Loans Fixed Rates

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
2 years 5.17% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £3995
  • Minimum Loan £750,000
  • Maximum Loan £1,250,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMCZ
2 years 5.31% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £1995
  • Minimum Loan £750,000
  • Maximum Loan £1,250,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMDA
2 years 5.44% Fixed until 30/06/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.8% APRC £0
  • Minimum Loan £750,000
  • Maximum Loan £1,250,000
  • Repayment Methods: Capital Repayment
3% until 30/06/2027, then 2% until 30/06/2028 AMDB
5 years 5.33% Fixed until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% APRC £0
  • Minimum Loan £750,000
  • Maximum Loan £1,250,000
  • Repayment Methods: Capital Repayment
4% until 30/06/2028, then 3% until 30/06/2030, then 2% until 30/06/2031 AMDC

75% LTV | Bespoke Large Loans Variable Rates

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
Standard Variable rate 6.94% Variable which is our Standard Variable Rate for the entire mortgage term 7.1% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
No Early Redemption Charges. PQQ

80% LTV | Bespoke Large Loans 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 6.94% Variable which is our Standard Variable Rate for the entire mortgage term 7.1% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £2,500,000
  • Repayment Methods: Capital Repayment
No Early Redemption Charges. PQR

85% LTV | Bespoke Large Loans 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 6.94% Variable which is our Standard Variable Rate for the entire mortgage term 7.1% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £2,000,000
  • Repayment Methods: Capital Repayment
No Early Redemption Charges. ZZV

90% LTV | Bespoke Large Loans 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 6.94% Variable which is our Standard Variable Rate for the entire mortgage term 7.1% APRC £0
  • Minimum Loan £150,000
  • Maximum Loan £1,250,000
  • Repayment Methods: Capital Repayment
No Early Redemption Charges. ZZW
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