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 7.19%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 05/12/2025.

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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	4.79% Fixed	until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable	6.9% APRC	£0	Standard Valuation Fee Paid by Lender Repayment Methods: Capital Repayment	3% until 28/02/2027, then 2% until 29/02/2028	AKKW
2 years	4.95% Fixed	until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable	7.0% 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 28/02/2027, then 2% until 29/02/2028	AKKX
3 years	4.84% Fixed	until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable	6.8% APRC	£0	Standard Valuation Fee Paid by Lender Repayment Methods: Capital Repayment	3% until 29/02/2028, then 2% until 28/02/2029	AJXR
3 years	4.94% Fixed	until 28/02/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% 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	3% until 29/02/2028, then 2% until 28/02/2029	AJXS
5 years	4.84% Fixed	until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable	6.4% APRC	£0	Standard Valuation Fee Paid by Lender Repayment Methods: Capital Repayment	4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031	AKKY
5 years	4.90% Fixed	until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% 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 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031	AKKZ
5 years	5.12% Fixed	until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable	6.5% APRC	£0	£1,500 Cashback paid to solicitor with advance Standard Valuation Fee Paid by Lender Minimum Loan £100,000 Repayment Methods: Capital Repayment	4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031	AKAU
5 years	5.12% Fixed	until 28/02/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable	6.5% APRC	£0	£3,000 Cashback paid to solicitor with advance Standard Valuation Fee Paid by Lender Minimum Loan £250,000 Repayment Methods: Capital Repayment	4% until 29/02/2028, then 3% until 28/02/2030, then 2% until 28/02/2031	AKAV