Bank of Ireland Mortgage Rates

Last update: 24/07/2018 16:49:28
mortgage type name ltv rule product ltv description fixed or variable interest rate percentage apr
First Time Buyer <=60% 1 Year LTV <=60% fixed 3.00 3.9
First Time Buyer 61%-80% 1 Year LTV 61%-80% fixed 3.00 4.2
First Time Buyer >80% 1 Year LTV >80% fixed 3.00 4.4
First Time Buyer <=60% 2 Year LTV <=60% fixed 3.00 3.8
First Time Buyer 61%-80% 2 Year LTV 61%-80% fixed 3.00 4
First Time Buyer >80% 2 Year LTV >80% fixed 3.00 4.3
First Time Buyer <=60% 3 Year LTV <=60% fixed 3.00 3.7
First Time Buyer 61%-80% 3 Year LTV 61%-80% fixed 3.00 3.9
First Time Buyer >80% 3 Year LTV >80% fixed 3.00 4.1
First Time Buyer <=60% 5 Year LTV <=60% fixed 3.00 3.6
First Time Buyer 61%-80% 5 Year LTV 61%-80% fixed 3.00 3.7
First Time Buyer >80% 5 Year LTV >80% fixed 3.00 3.9
First Time Buyer <=60% 10 Year LTV <=60% fixed 3.30 3.5
First Time Buyer 61%-80% 10 Year LTV 61%-80% fixed 3.30 3.6
First Time Buyer >80% 10 Year LTV >80% fixed 3.50 3.8
First Time Buyer <=60% Variable LTV <=60% variable 3.90 4
First Time Buyer 61%-80% Variable LTV 61%-80% variable 4.20 4.3
First Time Buyer >80% Variable LTV >80% variable 4.50 4.6
Mover <=60% 1 Year LTV <=60% fixed 3.00 3.9
Mover 61%-80% 1 Year LTV 61%-80% fixed 3.00 4.2
Mover >80% 1 Year LTV >80% fixed 3.00 4.4
Mover <=60% 2 Year LTV <=60% fixed 3.00 3.8
Mover 61%-80% 2 Year LTV 61%-80% fixed 3.00 4
Mover >80% 2 Year LTV >80% fixed 3.00 4.3
Mover <=60% 3 Year LTV <=60% fixed 3.00 3.7
Mover 61%-80% 3 Year LTV 61%-80% fixed 3.00 3.9
Mover >80% 3 Year LTV >80% fixed 3.00 4.1
Mover <=60% 5 Year LTV <=60% fixed 3.00 3.6
Mover 61%-80% 5 Year LTV 61%-80% fixed 3.00 3.7
Mover >80% 5 Year LTV >80% fixed 3.00 3.9
Mover <=60% 10 Year LTV <=60% fixed 3.30 3.5
Mover 61%-80% 10 Year LTV 61%-80% fixed 3.30 3.6
Mover >80% 10 Year LTV >80% fixed 3.50 3.8
Mover <=60% Variable LTV <=60% variable 3.90 4
Mover 61%-80% Variable LTV 61%-80% variable 4.20 4.3
Mover >80% Variable LTV >80% variable 4.50 4.6
Investor <50% 2 Year LTV <50% fixed 4.75 5.1
Investor 50% - 75% 2 Year LTV 50% - 75% fixed 4.99 5.3
Investor <50% 5 Year LTV <50% fixed 4.90 5.2
Investor 50% - 75% 5 Year LTV 50% - 75% fixed 5.10 5.4
Investor <50% Variable LTV <50% variable 4.60 4.9
Investor 50% - 75% Variable LTV 50% - 75% variable 4.80 5.1
Investor Roll to Variable LTV roll to variable 4.80 4.9
Switcher <=60% 1 Year LTV <=60% fixed 3.00 3.9
Switcher 61%-80% 1 Year LTV 61%-80% fixed 3.00 4.2
Switcher >80% 1 Year LTV >80% fixed 3.00 4.4
Switcher <=60% 2 Year LTV <=60% fixed 3.00 3.8
Switcher 61%-80% 2 Year LTV 61%-80% fixed 3.00 4
Switcher >80% 2 Year LTV >80% fixed 3.00 4.3
Switcher <=60% 3 Year LTV <=60% fixed 3.00 3.7
Switcher 61%-80% 3 Year LTV 61%-80% fixed 3.00 3.9
Switcher >80% 3 Year LTV >80% fixed 3.00 4.1
Switcher <=60% 5 Year LTV <=60% fixed 3.00 3.6
Switcher 61%-80% 5 Year LTV 61%-80% fixed 3.00 3.7
Switcher >80% 5 Year LTV >80% fixed 3.00 3.9
Switcher <=60% 10 Year LTV <=60% fixed 3.30 3.5
Switcher 61%-80% 10 Year LTV 61%-80% fixed 3.30 3.6
Switcher >80% 10 Year LTV >80% fixed 3.50 3.8
Switcher <=60% Variable LTV <=60% variable 3.90 4
Switcher 61%-80% Variable LTV 61%-80% variable 4.20 4.3
Switcher >80% Variable LTV >80% variable 4.50 4.6
Existing <=60% 1 Year LTV <=60% fixed 3.00 3.9
Existing 61%-80% 1 Year LTV 61%-80% fixed 3.00 4.2
Existing >80% 1 Year LTV >80% fixed 3.00 4.4
Existing <=60% 2 Year LTV <=60% fixed 3.00 3.8
Existing 61%-80% 2 Year LTV 61%-80% fixed 3.00 4
Existing >80% 2 Year LTV >80% fixed 3.00 4.3
Existing <=60% 3 Year LTV <=60% fixed 3.00 3.7
Existing 61%-80% 3 Year LTV 61%-80% fixed 3.00 3.9
Existing >80% 3 Year LTV >80% fixed 3.00 4.1
Existing <=60% 5 Year LTV <=60% fixed 3.00 3.6
Existing 61%-80% 5 Year LTV 61%-80% fixed 3.00 3.7
Existing >80% 5 Year LTV >80% fixed 3.00 3.9
Existing <=60% 10 Year LTV <=60% fixed 3.30 3.5
Existing 61%-80% 10 Year LTV 61%-80% fixed 3.30 3.6
Existing >80% 10 Year LTV >80% fixed 3.50 3.8
Existing <=60% Variable LTV <=60% variable 3.90 4
Existing 61%-80% Variable LTV 61%-80% variable 4.20 4.3
Existing >80% Variable LTV >80% variable 4.50 4.6

Apply Now

APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years. APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. For Buy to Let, APRC includes a fee for the Banks solicitor of €950 plus VAT at 23% plus outlay of up to €350.
LTV = Loan to Value. APRC = Annual Percentage rate of Charge. BTL = Buy To Let
Owner Occupier rates

Owner Occupier rates are effective from 2nd November 2017 and are subject to change. These rates are provided for information only. At the end of a fixed rate period, customers on a fixed rate can choose from our range of fixed rate options or roll to the LTV Variable rate applicable at that time. Customers on a variable rate can choose from our range of fixed rates. To avail of a lower LTV fixed rate a property valuation report may be required.

The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. A typical mortgage to buy your home of €100,000 over 20 years with 240 monthly instalments costs €615.79 per month at 4.2% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. The total amount you pay is €148,114.60. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value for first time buyers). A 1% interest rate rise would increase monthly repayments by €54.02 per month.

Investor (Buy to Let) rates
Buy to Let new business rates are effective from the 17th September 2015 and are subject to change. These rates are provided for information only. At the end of a fixed rate period, customers on a fixed rate can choose from our range of fixed rate options or roll to the LTV Variable rate applicable at that time. Customers on a variable rate can choose from our range of fixed rates. To avail of a lower LTV fixed rate a property valuation report may be required.

The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. A typical Buy to Let mortgage of €100,000 over 20 years with 240 monthly instalments costs €647.91 per month at 4.8% variable (Annual Percentage Rate of Charge (APRC) 5.1%). APRC includes a fee for the Banks solicitor of €950 plus VAT at 23% plus outlay of up to €350. The total amount you pay is €157,016.90. We require property insurance. You mortgage the property to secure the loan. Maximum loan is generally 70% of the property value. A 1% interest rate rise would increase monthly repayments by €55.43 per month.

Warning: If you do not keep up your repayments you may lose your home.
Warning: The cost of your monthly repayments may increase.
Warning: You may have to pay charges if you pay off a fixed–rate loan early.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.