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Mortgages

Whether you’re buying one or making one, Welcome Home.

Begin your Mortgage Journey Now

How The EcoSaver Mortgage works

Provide your Building Energy Rate (BER) to get your EcoSaver Mortgage fixed interest rate.

Every time you complete energy upgrades and your BER goes up a letter, we’ll bring your EcoSaver Mortgage rate down* – just submit your BER certificate.

*Subject to terms and conditions

Learn more  Begin your Mortgage Journey Now

First Time Buyer

Buying your first home? We’re here to help. From saving for a deposit to mortgage approval, we are with you every step of the way.

First Time Buyer

Manage My Mortgage

If you already have a mortgage with us you can get information on your mortgage such as rates, repayments and equity release.

Manage My Mortgage


Switcher

Thinking about switching? Switch your mortgage today and see how much you could save.

Switcher

Buy-to-Let

Buying a rental property? We can help you reach your investment goals with our Buy-to-Let mortgage.

Buy-to-Let


First Time Buyer - Link layer

First Time Buyer

uying your first home? We’re here to help. From saving for a deposit to mortgage approval, we are with you every step of the way.
First Time Buyer
Manage My Mortgage - Link layer

Manage My Mortgage

If you already have a mortgage with us you can get information on your mortgage such as rates, repayments and equity release.
Manage My Mortgage
Switcher - Link layer
Row of old townhouses with one covered in greenery

Switcher

Thinking about switching? Switch your mortgage today and see how much you could save.
Switcher
Buy-to-Let - Link layer
Woman buy to let investor with phone near door

Buy-to-Let

Buying a rental property? We can help you reach your investment goals with our Buy-to-Let mortgage.
Buy-to-Let
Self-Build - Link layer
Couple pointing at inside wall of self build home

Self-Build

Building a home? We can provide assistance for your property development plans with our Self-Build mortgage.
Self-Build
Home Movers - Link layer
Couple with cardboard boxes moving house

Home Movers

Ready for your next move? We can help you with your mortgage when you’re moving house or apartment.
Home Movers
MortgageSaver - Link layer
Young happy couple lying on the ground, looking at the ceiling

MortgageSaver

Open a MortgageSaver account and we’ll top up your savings by €2,000 bonus interest (less DIRT) at drawdown 1 (terms and conditions apply).
MortgageSaver

Why choose Bank of Ireland?

Cashback Plus

Cashback plus three percent with love heart donut chart icon

Get 2% of your mortgage back as cash up front, plus 1% extra in 5 years(subject to meeting the conditions of the mortgage).2

Cashback Plus

Flexi-Options

Flexi-options house with rotating arrows donut chart icon

We want to help you to make the most of your mortgage. Have a look at how you can flex your mortgage to suit your lifestyle with our Flexi-Options.

Flexi-options

Rates

Mortgage rates house with percentage symbol donut chart icon

 Choose from our range of competitive fixed and variable interest options.

Rates

Cashback Plus
Flexi-Options

Rates

Mortgage Media Hub

Explore our mortgage media hub for informative videos and podcasts covering everything you need to know about mortgages. Get expert insights and advice to guide you through your mortgage journey.

View media

Mortgage Application Process

  • Step 1: Find out how much you can borrow

    With our easy-to-use mortgage calculator you’ll get an indication of how much you could currently afford to borrow.

  • Step 2: Talk to our mortgage specialists

    Make an appointment with a mortgage specialists in one of our branches or they can contact you at a time that suits you best.

  • Step 3: Save for your mortgage deposit

    If you’re a first-time buyer, you can apply for a mortgage of up to 90% of the value of a property. Remember there are other expenses such as stamp duty, legal fees, home insurance and life cover – so you’ll need to save for those costs too.

    Our MortgageSaver account1 is designed to help you save the deposit for your home.

  • Step 4: Start your application

    When you have your deposit saved, it may be time to apply for your mortgage. You don’t have to have a property in mind at this stage.

    Once you have started your application we’ll give you an outline of how much we could lend you based on the information you have provided (we call this a First Step Approval in Principle). We’ll also give you a list of the documents – salary information, bank statements, etc. – that you’ll need to provide so that your application can be fully assessed.

  • Step 5: Provide requested documents

    Mortgage lenders generally want to see proof of your income and a record of your finances.

    That means you’ll have to gather up documents like your payslips if you are employed and your most recent 2 years’ audited accounts if you are self-employed. If your accounts are not with Bank of Ireland you’ll also need to provide the last 6 months’ of your current account statements and 12 months’ savings account statements demonstrating regular saving. You can find a full list of the documents here.

    When you have provided all of the documentation needed to assess your application we’ll send you an acknowledgement of this too.

  • Step 6: Get Approval in Principle

    When your application is successful we’ll send you a formal ‘Approval in Principle’ letter. This means your loan is approved and you can go house shopping confident that your finance is in place. This approval generally lasts for 6 months.

    Approval in Principle however is not a loan offer so you can’t rely on it to enter into a sale contract.

  • Step 7: Find a home & complete your application

    When you have found a suitable property and your offer is accepted, get back in touch with us and we can finalise your mortgage application. We’ll then send you a formal Mortgage Loan Offer to buy your new property along with details of any final requirements before you can draw down your mortgage loan.

    For example, you’ll need to have a valuation carried out on the property by a valuer that we approve. We also always recommend that you get a property survey carried out for your own peace of mind as this can identify potential issues that you mightn’t otherwise see.

  • Step 8: Complete the purchase & get your keys

    Once all is in order, your solicitor will draw down your mortgage funds and arrange to transfer the property title on your behalf.

Frequently Asked Questions

Got a question? Our FAQs may help. Go to our Help Centre to see a full list of frequently asked questions.

  • What is a mortgage?

    A mortgage is a security over a house or land and sometimes over other types of property. For example, security in the form of a mortgage is usually given to a bank or building society to enable it lend to a borrower to finance the purchase of a property. A loan secured by a mortgage can be called a mortgage loan.

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  • If you require ‘Help with mortgage repayments’

    If you are concerned you may experience longer term financial pressure and would like to explore additional supports to help you repay your mortgage loan, we are here to discuss this with you. Click here to find out more.

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  • What mortgage can I get?

    First Time Buyer

    If you have never purchased a property before you will be eligible for a First Time Buyer mortgage.

    A First Time Buyer is defined as a person who has never before, either on his or her own or with others, purchased a house, a site to build a house, or an apartment, in Ireland or abroad. In the case of a joint application, both parties must be first-time buyers for the mortgage to be a First Time Buyer mortgage.

    Movers and Switchers

    If you are moving house, see our Home Movers mortgage options. If you want to switch your mortgage from your current bank to Bank of Ireland our Switcher mortgage can make that happen.

    EcoSaver Mortgage

    Are you buying or building a property with a high level of energy efficiency? Now you can apply for Bank of Ireland’s EcoSaver Mortgage fixed interest rate.

    Investor

    If you want to get into the Buy to Let market, see our Investor mortgage.

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  • Where can I find a Variable Rate Policy Statement?

    View our Variable Rate Policy Statement.

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  • What is Tracker Mortgage Examination?

    Find out more about our tracker mortgage examination.

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  • What was TRS (Tax Relief at Source)?

    TRS was a tax relief on mortgage interest paid on qualifying mortgage loans taken out between 1 January 2004 and 31 December 2012. TRS was only available up to 31 December 2020. Where applicable, some TRS recipients will receive a final balancing payment in March 2021.

    If you have any queries about your TRS entitlement you can go to Revenue Commissioners.

    Call the TRS Helpline on 01 738 3663 or email trsadmin@revenue.ie

    Bank of Ireland cannot accept responsibility for information on third party websites.

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  • Sale of a portfolio of non-performing ROI mortgage loans:

    April 2022: As part of Bank of Ireland’s ongoing responsibility to meet industry-wide regulatory expectations for reducing non-performing (NPE) loans, the Bank is entering into the sale of a portfolio of non-performing ROI mortgage loans to a subsidiary of funds managed by M&G plc (M&G). M&G proposes to securitise the loans with Bank of Ireland to retain title and servicing.

    Customers do not need to take any action. Bank of Ireland is continuing to manage these mortgage accounts and remains the point of contact for customers in all queries regarding their loan as is the case today.

    Any restructuring arrangements agreed between the Bank and a customer including any alternative repayment arrangements, are unchanged by the transaction. There will be no change to the protections currently afforded to customers under the relevant Central Bank of Ireland statutory codes of conduct, including the Code of Conduct on Mortgage Arrears and the Consumer Protection Code.

    How do I know if my loan is included and where can I get more information?

    If you have a mortgage loan which has been restructured by the Bank or has been in arrears, then your account(s) may be included in the securitisation. If you would like more information, you can contact our dedicated phone line – details below.

    Dedicated Phone Line

    • There is a phone line for any customer queries / technical clarification requests.
    • The number is 0818-812-240 or 00-353-1-4883046 and is open from 9am to 5pm Monday to Friday excluding bank holidays.

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Information and Legal notices ›

Ready to move ahead?

Book an appointmentApply online

You can also request a callback or give us a call on 0818 365 345.

Our phone lines are open at the following times:

Monday – Friday: 9am – 5pm

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 Property Registration Authority. 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. APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years.

Warning: The cost of your monthly repayments may increase.
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.

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

1 Available for first time buyers only who draw down a mortgage with us within 30 months of MortgageSaver account opening. MortgageSaver provided by Bank of Ireland. Bank of Ireland is regulated by the Central Bank of Ireland. Bonus Interest subject to DIRT at the prevailing rate, paid after drawdown. Details at bankofireland.com/mortgagesaver. Terms and conditions apply.
2 Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates or on our standard variable interest rate. Terms and conditions apply.