Existing Customer

We want to help and support you to manage your mortgage once you become a customer. Whether it’s changing your interest rate online, or choosing one of our Flexi options, we're here to help.

2% Cashback offer

We will give you 2% of your new mortgage back as Cashback if you top up an existing mortgage or buy an investment property, or if you are not a Bank of Ireland current account customer and you buy your first home, move home or switch your mortgage to us.

Features and Benefits

  • 2% of your mortgage back as cash;
  • Available with our full range of fixed and variable homeowner mortgage rates

Here’s what you could get back from Bank of Ireland when you draw down your mortgage.

Mortgage amount 2% Cashback
€150,000 €3,000
€350,000 €7,000
€500,000 €10,000

Our 2% Cashback offer is available to you if:

  • You take out an Equity Release to top up an existing mortgage with us;
  • You take out a Buy to Let mortgage to buy an investment property;
  • You buy your first home, move home or switch your mortgage to us and you are not a Bank of Ireland current account customer;
  • And you draw down your new mortgage between 1st October 2016 and 30th June 2019.

The 2% Cashback Mortgage Offer is not available with any other offer – e.g. our Cashback PLUS offer or our First Time Buyer MortgageSaver Bonus.

  • Terms and Conditions
    • The 2% Cashback Mortgage offer is available to you if:

    (i)You use your mortgage loan:

    • to buy a home in the Republic of Ireland to live in yourself (as a First Time Buyer or Mover), or
    • to switch your mortgage loan to us from another lender (outside the Bank of Ireland Group) by re-mortgaging the house you live in, or
    • to top-up a mortgage, or
    • to buy a property to let or for investment; AND

    ​(ii) You draw down your new mortgage loan between 1st October 2016 and 30th June 2019.

    • The 2% Cashback Mortgage Offer is available whether you chose a fixed or variable rate for your mortgage.
    • 2% cashback payment will be 2% of the amount you borrow under your mortgage loan offer letter. The payment will be made into your mortgage-paying current account within 45 days of drawdown of your mortgage.

    If you draw down your mortgage in stages (e.g. for a self-build):

    • The first drawdown must be made between 1st October 2016 and 30th June 2019 to qualify for the offer.

    • In addition, final drawdown must be made within 18 months of first drawdown

    • The 2% Cashback will be paid within 45 days of the final stage drawdown and will be 2% of the amount you borrow under your initial mortgage loan offer letter(any additional lending is excluded from the calculation, e.g. a top-up mortgage loan).

    • The 2% Cashback Mortgage offer is not available (a) for any mortgage where you do not borrow as a consumer; or (b) for any mortgage loan applied for through mortgagestore.ie. The 2% Cashback mortgage offer is generally only available on mortgages from Bank of Ireland Mortgage Bank.

    • We reserve the right to withdraw the 2% Cashback Mortgage Offer at any time at our discretion, for example, to reflect any changes in law or regulation or how they are interpreted. If we do withdraw the offer before 30th June 2019, we will notify the public of this by putting an advertisement on our website and in at least one national newspaper.