New fixed-rate option for existing mortgage customers

We’re introducing a new 4-year fixed-rate interest option for existing mortgage customers with a mortgage on their main home.


What does this mean for me?

From 26 November 2025, existing Bank of Ireland mortgage customers (with a mortgage on their main home) have the option to choose a 4-year fixed interest rate based on their home’s Building Energy Rating (BER). Rates start from as low as 3.10%.

Please note: This rate is not available to new customers or if your existing mortgage is for an investment (buy-to-let) property or a holiday home.


New 4-year fixed-rate option

Private dwelling house (BER rating)4-year fixed
BER A3.10%
BER B3.15%
BER C3.20%
BER D3.25%
BER E3.30%
BER F3.35%
BER G3.40%
BER exempt3.45%
No BER3.45%

Please note: We’re committed to a greener future, which is why we offer an EcoSaver fixed interest rate based on your home’s Building Energy Rating (BER). The more energy-efficient your home is, the better your fixed interest rate. Every time you make an upgrade that improves your BER, your interest rate may get even better.1

See our full rates table for all interest rates available to existing Bank of Ireland mortgage customers.

Frequently asked questions

Need a helping hand?

Get support and assistance from our mortgage service specialists, 9am to 5pm,
Monday to Friday.

You can call us

Call 01 611 3333
Warning: If you do not keep up your repayments you may lose your home.
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, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Warning: The cost of your monthly repayments may increase.

The lender is Bank of Ireland Mortgage Bank u.c. or Bank of Ireland. 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 €613.16 per month at 4.15% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Tailte Éireann. The total amount you pay is €147,482.50. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income (4 times gross annual income for first-time buyers) and 90% of the property value. A 1% interest rate rise would increase monthly repayments by €53.89 per month. The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home. Available to over 18s only. The mortgage will be subject to assessment of suitability and affordability. APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years.

Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.


Information and legal notices

Legal and regulatory information for mortgages.

View information and legal notices


1 The EcoSaver fixed interest rate provides customers with discounts based on their Building Energy Rating (BER). The better the BER, the better the discount. The EcoSaver fixed rate is available to all customers, if you're new to Bank of Ireland or already have a mortgage with us. You can get the EcoSaver fixed interest rate if you are borrowing to buy a home for yourself or your family, an investment property to let, or you're switching your mortgage loan to us from another lender. You must supply a valid BER certificate to take advantage of the EcoSaver fixed rate. Available with fixed rates only. Terms and conditions apply.