Residential Products

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

Affordability calculator
Residential lending criteria
Mortgages for First time buyers
Mortgages for Self employed

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 03/03/2026.

Products being withdrawn will be labelled as 'closing soon.'

Is the product you’re looking for not showing? It may have been withdrawn. Please get in touch.

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	4.19% Fixed	until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	5.9% 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	ALKK

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	4.48% Fixed	until 31/05/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.0% APRC	£0	Standard Valuation Fee Paid by Lender Repayment Methods: Capital Repayment	4% until 31/05/2028, then 3% until 31/05/2030, then 2% until 31/05/2031	ALCE

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	4.68% Fixed	until 30/06/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.1% 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	ALKL