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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.

  • 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 17/08/2026.

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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 4.54% Fixed until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1495
  • 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 31/12/2027, then 2% until 31/12/2028 APFN
2 years 4.62% Fixed until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/12/2027, then 2% until 31/12/2028 APFP
3 years 4.60% Fixed until 31/12/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £1495
  • 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 31/12/2028, then 2% until 31/12/2029 APFQ
3 years 4.65% Fixed until 31/12/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 3% until 31/12/2028, then 2% until 31/12/2029 APFR
5 years 4.69% Fixed until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.2% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031 APFS
5 years 4.73% Fixed until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031 APFT

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 4.59% Fixed until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1495
  • 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 31/12/2027, then 2% until 31/12/2028 APFU
2 years 4.67% Fixed until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/12/2027, then 2% until 31/12/2028 APFV
3 years 4.66% Fixed until 31/12/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.5% APRC £1495
  • 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 31/12/2028, then 2% until 31/12/2029 APFW
3 years 4.74% Fixed until 31/12/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 3% until 31/12/2028, then 2% until 31/12/2029 APFX
5 years 4.72% Fixed until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.2% APRC £1495
  • 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)
 4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031 APFY
5 years 4.76% Fixed until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment, Part & Part (Interest Only element maximum 60% LTV)
 4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031 APFZ

85% 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 4.67% Fixed until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/12/2027, then 2% until 31/12/2028 APDT
2 years 4.75% Fixed until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% 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 31/12/2027, then 2% until 31/12/2028 APDU
3 years 4.79% Fixed until 31/12/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/12/2028, then 2% until 31/12/2029 APDV
3 years 4.85% Fixed until 31/12/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% 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 31/12/2028, then 2% until 31/12/2029 APDW
5 years 4.76% Fixed until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031 APDX
5 years 4.80% Fixed until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031 APDY

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 4.79% Fixed until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
 3% until 31/12/2027, then 2% until 31/12/2028 APDZ
2 years 4.85% Fixed until 31/12/2028 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 31/12/2027, then 2% until 31/12/2028 APEA
3 years 4.85% Fixed until 31/12/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
 3% until 31/12/2028, then 2% until 31/12/2029 APEB
3 years 4.90% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% 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 31/10/2028, then 2% until 31/10/2029 ANYG
5 years 4.89% Fixed until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Capital Repayment
 4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031 APEC
5 years 4.95% Fixed until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.3% APRC £995
  • £300 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Capital Repayment
 4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031 APED

90% 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 4.98% Fixed until 31/12/2028 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
  • Repayment Methods: Capital Repayment
 3% until 31/12/2027, then 2% until 31/12/2028 APEH
5 years 4.94% Fixed until 31/12/2031 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 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031 APEJ

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 5.19% Fixed until 31/12/2028 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 31/12/2027, then 2% until 31/12/2028 APGA
2 years 5.40% Fixed until 31/10/2028 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 31/10/2027, then 2% until 31/10/2028 ANYK
3 years 5.10% Fixed until 31/12/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.6% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Capital Repayment
 3% until 31/12/2028, then 2% until 31/12/2029 APEK
3 years 5.29% Fixed until 31/10/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.7% 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 31/10/2028, then 2% until 31/10/2029 ANYN
5 years 5.09% Fixed until 31/12/2031 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 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031 APGB
5 years 5.20% Fixed until 31/10/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable 6.4% 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANYP

95% LTV | Residential 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
2 years 5.64% Fixed until 31/10/2028 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 31/10/2027, then 2% until 31/10/2028 ANYQ
3 years 5.40% Fixed until 31/10/2029 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
  • Repayment Methods: Capital Repayment
 3% until 31/10/2028, then 2% until 31/10/2029 ANYR
3 years 5.52% Fixed until 31/10/2029 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 31/10/2028, then 2% until 31/10/2029 ANYS
5 years 5.44% Fixed until 31/10/2031 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 31/10/2028, then 3% until 31/10/2030, then 2% until 31/10/2031 ANYT

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
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