Mortgage rates

Competitive rates for your dream home.

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Key factors to consider when comparing our mortgage rates

Mortgage type

The type of mortgage you’re applying for will affect the rates you are offered.

Interest rate type

A fixed interest rate stays the same for a set amount of time.

A variable interest rate will rise and fall over the term of the mortgage.

Term length

Consider how the length of the mortgage impacts your monthly repayments and the overall cost of interest.

Building Energy Rating (BER)

Our EcoSaver fixed interest rate provides you with discounts based on your BER. The better your BER, the better your fixed interest rate. This rate is available to all customers.¹

High Value Mortgage (HVM)

The High Value Mortgage fixed interest rate with no Cashback may be available to you if you’re borrowing €250,000 or more and using it to buy or build a property to live in as your home. Terms and conditions apply.²

Cashback offer

With Cashback Plus, you can get up to 3% of your mortgage drawdown back in cash (2% after you draw down and 1% after 5 years) on qualifying fixed rates. Terms and conditions apply.³

It’s a good idea to review your mortgage from time to time, as there may be better options (for example, from other lenders) that could save you money.

We can give you or your solicitor your current interest rate along with other rates we offer, so you can compare and see what works best for you.

The Competition and Consumer Protection Commission has more information about switching your mortgage at CCPC.ie.*

*Bank of Ireland is not responsible for information on third party sites.

Mortgage rates table

Choose your mortgage type and Building Energy Rating (BER) to see which rates are available to you.

Please note: Rates for existing customers are only available to you if you already have a Bank of Ireland mortgage and wish to choose a fixed rate. If you’re an existing customer looking to move property or apply for an equity release, select ‘Mover’ in the ‘Mortgage type’ filter.

Variable rate policy statement PDF

Filter By mortgage type name

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Last update: 26/11/2024 08:14:00

mortgage type name	BER	Product Description	Interest Rate	*APR
Existing	A	1 Year Fixed BER A	3.3	4.2
Existing	B	1 Year Fixed BER B	3.35	4.2
Existing	C	1 Year Fixed BER C	3.4	4.2
Existing	D	1 Year Fixed BER D	3.45	4.2
Existing	E	1 Year Fixed BER E	3.5	4.2
Existing	F	1 Year Fixed BER F	3.55	4.2
Existing	G	1 Year Fixed BER G	3.6	4.2
Existing	BER Exempt	1 Year Fixed BER Exempt	3.65	4.2
Existing	No BER	1 Year Fixed No BER	3.65	4.2
Existing	A	2 Year Fixed BER A	3.3	4.1
Existing	B	2 Year Fixed BER B	3.35	4.1
Existing	C	2 Year Fixed BER C	3.4	4.1
Existing	D	2 Year Fixed BER D	3.45	4.1
Existing	E	2 Year Fixed BER E	3.5	4.1
Existing	F	2 Year Fixed BER F	3.55	4.1
Existing	G	2 Year Fixed BER G	3.6	4.1
Existing	BER Exempt	2 Year Fixed BER Exempt	3.65	4.1
Existing	No BER	2 Year Fixed No BER	3.65	4.1
Existing	A	3 Year Fixed BER A	3.4	4
Existing	B	3 Year Fixed BER B	3.45	4
Existing	C	3 Year Fixed BER C	3.5	4
Existing	D	3 Year Fixed BER D	3.55	4.1
Existing	E	3 Year Fixed BER E	3.6	4.1
Existing	F	3 Year Fixed BER F	3.65	4.1
Existing	G	3 Year Fixed BER G	3.7	4.1
Existing	BER Exempt	3 Year Fixed BER Exempt	3.75	4.1
Existing	No BER	3 Year Fixed No BER	3.75	4.1
Existing	A	5 Year Fixed BER A	3.4	3.9
Existing	B	5 Year Fixed BER B	3.45	3.9
Existing	C	5 Year Fixed BER C	3.5	3.9
Existing	D	5 Year Fixed BER D	3.55	4
Existing	E	5 Year Fixed BER E	3.6	4
Existing	F	5 Year Fixed BER F	3.65	4
Existing	G	5 Year Fixed BER G	3.7	4
Existing	BER Exempt	5 Year Fixed BER Exempt	3.75	4.1
Existing	No BER	5 Year Fixed No BER	3.75	4.1
Existing	A	10 Year Fixed BER A	3.7	3.9
Existing	B	10 Year Fixed BER B	3.75	3.9
Existing	C	10 Year Fixed BER C	3.8	4
Existing	D	10 Year Fixed BER D	3.85	4
Existing	E	10 Year Fixed BER E	3.9	4.1
Existing	F	10 Year Fixed BER F	3.95	4.1
Existing	G	10 Year Fixed BER G	4	4.1
Existing	BER Exempt	10 Year Fixed BER Exempt	4.05	4.2
Existing	No BER	10 Year Fixed No BER	4.05	4.2
Existing	A	Standard Variable Rate	4.15	4.3
Existing	B	Standard Variable Rate	4.15	4.3
Existing	C	Standard Variable Rate	4.15	4.3
Existing	D	Standard Variable Rate	4.15	4.3
Existing	E	Standard Variable Rate	4.15	4.3
Existing	F	Standard Variable Rate	4.15	4.3
Existing	G	Standard Variable Rate	4.15	4.3
Existing	BER Exempt	Standard Variable Rate	4.15	4.3
Existing	No BER	Standard Variable Rate	4.15	4.3
First Time Buyer	A	1 Year HVM BER A	3.3	4.2
First Time Buyer	B	1 Year HVM BER B	3.35	4.2
First Time Buyer	C	1 Year HVM BER C	3.4	4.2
First Time Buyer	D	1 Year HVM BER D	3.45	4.2
First Time Buyer	E	1 Year HVM BER E	3.5	4.2
First Time Buyer	F	1 Year HVM BER F	3.55	4.2
First Time Buyer	G	1 Year HVM BER G	3.6	4.2
First Time Buyer	BER Exempt	1 Year HVM BER Exempt	3.65	4.2
First Time Buyer	A	2 Year Fixed BER A	3.8	4.2
First Time Buyer	B	2 Year Fixed BER B	3.85	4.2
First Time Buyer	C	2 Year Fixed BER C	3.9	4.2
First Time Buyer	D	2 Year Fixed BER D	3.95	4.2
First Time Buyer	E	2 Year Fixed BER E	4	4.2
First Time Buyer	F	2 Year Fixed BER F	4.05	4.2
First Time Buyer	G	2 Year Fixed BER G	4.1	4.2
First Time Buyer	BER Exempt	2 Year Fixed BER Exempt	4.15	4.3
First Time Buyer	A	3 Year Fixed BER A	3.9	4.2
First Time Buyer	B	3 Year Fixed BER B	3.95	4.2
First Time Buyer	C	3 Year Fixed BER C	4	4.2
First Time Buyer	D	3 Year Fixed BER D	4.05	4.2
First Time Buyer	E	3 Year Fixed BER E	4.1	4.2
First Time Buyer	F	3 Year Fixed BER F	4.15	4.3
First Time Buyer	G	3 Year Fixed BER G	4.2	4.3
First Time Buyer	BER Exempt	3 Year Fixed BER Exempt	4.25	4.4
First Time Buyer	A	5 Year Fixed BER A	3.9	4.1
First Time Buyer	B	5 Year Fixed BER B	3.95	4.2
First Time Buyer	C	5 Year Fixed BER C	4	4.2
First Time Buyer	D	5 Year Fixed BER D	4.05	4.2
First Time Buyer	E	5 Year Fixed BER E	4.1	4.2
First Time Buyer	F	5 Year Fixed BER F	4.15	4.3
First Time Buyer	G	5 Year Fixed BER G	4.2	4.3
First Time Buyer	BER Exempt	5 Year Fixed BER Exempt	4.25	4.4
First Time Buyer	A	4 Year HVM BER A	3.1	3.8
First Time Buyer	B	4 Year HVM BER B	3.15	3.8
First Time Buyer	C	4 Year HVM BER C	3.2	3.9
First Time Buyer	D	4 Year HVM BER D	3.25	3.9
First Time Buyer	E	4 Year HVM BER E	3.3	3.9
First Time Buyer	F	4 Year HVM BER F	3.35	3.9
First Time Buyer	G	4 Year HVM BER G	3.4	3.9
First Time Buyer	BER Exempt	4 Year HVM BER Exempt	3.45	4
First Time Buyer	A	5 Year HVM BER A	3.4	3.9
First Time Buyer	B	5 Year HVM BER B	3.45	3.9
First Time Buyer	C	5 Year HVM BER C	3.5	3.9
First Time Buyer	D	5 Year HVM BER D	3.55	4
First Time Buyer	E	5 Year HVM BER E	3.6	4
First Time Buyer	F	5 Year HVM BER F	3.65	4
First Time Buyer	G	5 Year HVM BER G	3.7	4
First Time Buyer	BER Exempt	5 Year HVM BER Exempt	3.75	4.1
First Time Buyer	A	7 Year HVM BER A	3.45	3.8
First Time Buyer	B	7 Year HVM BER B	3.5	3.8
First Time Buyer	C	7 Year HVM BER C	3.55	3.9
First Time Buyer	D	7 Year HVM BER D	3.6	3.9
First Time Buyer	E	7 Year HVM BER E	3.65	3.9
First Time Buyer	F	7 Year HVM BER F	3.7	4
First Time Buyer	G	7 Year HVM BER G	3.75	4
First Time Buyer	BER Exempt	7 Year HVM BER Exempt	3.8	4
First Time Buyer	A	10 Year Fixed BER A	4.2	4.3
First Time Buyer	B	10 Year Fixed BER B	4.25	4.4
First Time Buyer	C	10 Year Fixed BER C	4.3	4.4
First Time Buyer	D	10 Year Fixed BER D	4.35	4.5
First Time Buyer	E	10 Year Fixed BER E	4.4	4.5
First Time Buyer	F	10 Year Fixed BER F	4.45	4.6
First Time Buyer	G	10 Year Fixed BER G	4.5	4.6
First Time Buyer	BER Exempt	10 Year Fixed BER Exempt	4.55	4.7
First Time Buyer	A	Standard Variable	4.15	4.3
First Time Buyer	B	Standard Variable	4.15	4.3
First Time Buyer	C	Standard Variable	4.15	4.3
First Time Buyer	D	Standard Variable	4.15	4.3
First Time Buyer	E	Standard Variable	4.15	4.3
First Time Buyer	F	Standard Variable	4.15	4.3
First Time Buyer	G	Standard Variable	4.15	4.3
First Time Buyer	BER Exempt	Standard Variable	4.15	4.3
Investor - Existing	A	BTL 2 Year Fixed BER A	5.15	5.5
Investor - Existing	B	BTL 2 Year Fixed BER B	5.2	5.5
Investor - Existing	C	BTL 2 Year Fixed BER C	5.25	5.6
Investor - Existing	D	BTL 2 Year Fixed BER D	5.3	5.6
Investor - Existing	E	BTL 2 Year Fixed BER E	5.35	5.7
Investor - Existing	F	BTL 2 Year Fixed BER F	5.4	5.7
Investor - Existing	G	BTL 2 Year Fixed BER G	5.45	5.8
Investor - Existing	BER Exempt	BTL 2 Year Fixed BER Exempt	5.5	5.8
Investor - Existing	No BER	BTL 2 Year Fixed No BER	5.5	5.8
Investor - Existing	A	BTL 5 Year Fixed BER A	5.3	5.6
Investor - Existing	B	BTL 5 Year Fixed BER B	5.35	5.7
Investor - Existing	C	BTL 5 Year Fixed BER C	5.4	5.7
Investor - Existing	D	BTL 5 Year Fixed BER D	5.45	5.8
Investor - Existing	E	BTL 5 Year Fixed BER E	5.5	5.8
Investor - Existing	F	BTL 5 Year Fixed BER F	5.55	5.9
Investor - Existing	G	BTL 5 Year Fixed BER G	5.6	5.9
Investor - Existing	BER Exempt	BTL 5 Year Fixed BER Exempt	5.65	6
Investor - Existing	No BER	BTL 5 Year Fixed No BER	5.65	6
Investor - Existing	A	Standard Variable Rate	4.85	5.1
Investor - Existing	B	Standard Variable Rate	4.85	5.1
Investor - Existing	C	Standard Variable Rate	4.85	5.1
Investor - Existing	D	Standard Variable Rate	4.85	5.1
Investor - Existing	E	Standard Variable Rate	4.85	5.1
Investor - Existing	F	Standard Variable Rate	4.85	5.1
Investor - Existing	G	Standard Variable Rate	4.85	5.1
Investor - Existing	BER Exempt	Standard Variable Rate	4.85	5.1
Investor - Existing	No BER	Standard Variable Rate	4.85	5.1
Investor - New	A	BTL 2 Year Fixed BER A	5.65	6
Investor - New	B	BTL 2 Year Fixed BER B	5.7	6
Investor - New	C	BTL 2 Year Fixed BER C	5.75	6.1
Investor - New	D	BTL 2 Year Fixed BER D	5.8	6.1
Investor - New	E	BTL 2 Year Fixed BER E	5.85	6.2
Investor - New	F	BTL 2 Year Fixed BER F	5.9	6.3
Investor - New	G	BTL 2 Year Fixed BER G	5.95	6.3
Investor - New	BER Exempt	BTL 2 Year Fixed BER Exempt	6	6.4
Investor - New	A	BTL 5 Year Fixed BER A	5.8	6.1
Investor - New	B	BTL 5 Year Fixed BER B	5.85	6.2
Investor - New	C	BTL 5 Year Fixed BER C	5.9	6.3
Investor - New	D	BTL 5 Year Fixed BER D	5.95	6.3
Investor - New	E	BTL 5 Year Fixed BER E	6	6.4
Investor - New	F	BTL 5 Year Fixed BER F	6.05	6.4
Investor - New	G	BTL 5 Year Fixed BER G	6.1	6.5
Investor - New	BER Exempt	BTL 5 Year Fixed BER Exempt	6.15	6.5
Investor - New	A	Standard Variable Rate	4.85	5.1
Investor - New	B	Standard Variable Rate	4.85	5.1
Investor - New	C	Standard Variable Rate	4.85	5.1
Investor - New	D	Standard Variable Rate	4.85	5.1
Investor - New	E	Standard Variable Rate	4.85	5.1
Investor - New	F	Standard Variable Rate	4.85	5.1
Investor - New	G	Standard Variable Rate	4.85	5.1
Investor - New	BER Exempt	Standard Variable Rate	4.85	5.1
Mover	A	1 Year HVM BER A	3.3	4.2
Mover	B	1 Year HVM BER B	3.35	4.2
Mover	C	1 Year HVM BER C	3.4	4.2
Mover	D	1 Year HVM BER D	3.45	4.2
Mover	E	1 Year HVM BER E	3.5	4.2
Mover	F	1 Year HVM BER F	3.55	4.2
Mover	G	1 Year HVM BER G	3.6	4.2
Mover	BER Exempt	1 Year HVM BER Exempt	3.65	4.2
Mover	A	2 Year Fixed BER A	3.8	4.2
Mover	B	2 Year Fixed BER B	3.85	4.2
Mover	C	2 Year Fixed BER C	3.9	4.2
Mover	D	2 Year Fixed BER D	3.95	4.2
Mover	E	2 Year Fixed BER E	4	4.2
Mover	F	2 Year Fixed BER F	4.05	4.2
Mover	G	2 Year Fixed BER G	4.1	4.2
Mover	BER Exempt	2 Year Fixed BER Exempt	4.15	4.3
Mover	A	3 Year Fixed BER A	3.9	4.2
Mover	B	3 Year Fixed BER B	3.95	4.2
Mover	C	3 Year Fixed BER C	4	4.2
Mover	D	3 Year Fixed BER D	4.05	4.2
Mover	E	3 Year Fixed BER E	4.1	4.2
Mover	F	3 Year Fixed BER F	4.15	4.3
Mover	G	3 Year Fixed BER G	4.2	4.3
Mover	BER Exempt	3 Year Fixed BER Exempt	4.25	4.4
Mover	A	5 Year Fixed BER A	3.9	4.1
Mover	B	5 Year Fixed BER B	3.95	4.2
Mover	C	5 Year Fixed BER C	4	4.2
Mover	D	5 Year Fixed BER D	4.05	4.2
Mover	E	5 Year Fixed BER E	4.1	4.2
Mover	F	5 Year Fixed BER F	4.15	4.3
Mover	G	5 Year Fixed BER G	4.2	4.3
Mover	BER Exempt	5 Year Fixed BER Exempt	4.25	4.4
Mover	A	4 Year HVM BER A	3.1	3.8
Mover	B	4 Year HVM BER B	3.15	3.8
Mover	C	4 Year HVM BER C	3.2	3.9
Mover	D	4 Year HVM BER D	3.25	3.9
Mover	E	4 Year HVM BER E	3.3	3.9
Mover	F	4 Year HVM BER F	3.35	3.9
Mover	G	4 Year HVM BER G	3.4	3.9
Mover	BER Exempt	4 Year HVM BER Exempt	3.45	4
Mover	A	5 Year HVM BER A	3.4	3.9
Mover	B	5 Year HVM BER B	3.45	3.9
Mover	C	5 Year HVM BER C	3.5	3.9
Mover	D	5 Year HVM BER D	3.55	4
Mover	E	5 Year HVM BER E	3.6	4
Mover	F	5 Year HVM BER F	3.65	4
Mover	G	5 Year HVM BER G	3.7	4
Mover	BER Exempt	5 Year HVM BER Exempt	3.75	4.1
Mover	A	7 Year HVM BER A	3.45	3.8
Mover	B	7 Year HVM BER B	3.5	3.8
Mover	C	7 Year HVM BER C	3.55	3.9
Mover	D	7 Year HVM BER D	3.6	3.9
Mover	E	7 Year HVM BER E	3.65	3.9
Mover	F	7 Year HVM BER F	3.7	4
Mover	G	7 Year HVM BER G	3.75	4
Mover	BER Exempt	7 Year HVM BER Exempt	3.8	4
Mover	A	10 Year Fixed BER A	4.2	4.3
Mover	B	10 Year Fixed BER B	4.25	4.4
Mover	C	10 Year Fixed BER C	4.3	4.4
Mover	D	10 Year Fixed BER D	4.35	4.5
Mover	E	10 Year Fixed BER E	4.4	4.5
Mover	F	10 Year Fixed BER F	4.45	4.6
Mover	G	10 Year Fixed BER G	4.5	4.6
Mover	BER Exempt	10 Year Fixed BER Exempt	4.55	4.7
Mover	A	Standard Variable	4.15	4.3
Mover	B	Standard Variable	4.15	4.3
Mover	C	Standard Variable	4.15	4.3
Mover	D	Standard Variable	4.15	4.3
Mover	E	Standard Variable	4.15	4.3
Mover	F	Standard Variable	4.15	4.3
Mover	G	Standard Variable	4.15	4.3
Mover	BER Exempt	Standard Variable	4.15	4.3
Switcher	A	1 Year HVM BER A	3.3	4.2
Switcher	B	1 Year HVM BER B	3.35	4.2
Switcher	C	1 Year HVM BER C	3.4	4.2
Switcher	D	1 Year HVM BER D	3.45	4.2
Switcher	E	1 Year HVM BER E	3.5	4.2
Switcher	F	1 Year HVM BER F	3.55	4.2
Switcher	G	1 Year HVM BER G	3.6	4.2
Switcher	BER Exempt	1 Year HVM BER Exempt	3.65	4.2
Switcher	A	2 Year Fixed BER A	3.8	4.2
Switcher	B	2 Year Fixed BER B	3.85	4.2
Switcher	C	2 Year Fixed BER C	3.9	4.2
Switcher	D	2 Year Fixed BER D	3.95	4.2
Switcher	E	2 Year Fixed BER E	4	4.2
Switcher	F	2 Year Fixed BER F	4.05	4.2
Switcher	G	2 Year Fixed BER G	4.1	4.2
Switcher	BER Exempt	2 Year Fixed BER Exempt	4.15	4.3
Switcher	A	3 Year Fixed BER A	3.9	4.2
Switcher	B	3 Year Fixed BER B	3.95	4.2
Switcher	C	3 Year Fixed BER C	4	4.2
Switcher	D	3 Year Fixed BER D	4.05	4.2
Switcher	E	3 Year Fixed BER E	4.1	4.2
Switcher	F	3 Year Fixed BER F	4.15	4.3
Switcher	G	3 Year Fixed BER G	4.2	4.3
Switcher	BER Exempt	3 Year Fixed BER Exempt	4.25	4.4
Switcher	A	5 Year Fixed BER A	3.9	4.1
Switcher	B	5 Year Fixed BER B	3.95	4.2
Switcher	C	5 Year Fixed BER C	4	4.2
Switcher	D	5 Year Fixed BER D	4.05	4.2
Switcher	E	5 Year Fixed BER E	4.1	4.2
Switcher	F	5 Year Fixed BER F	4.15	4.3
Switcher	G	5 Year Fixed BER G	4.2	4.3
Switcher	BER Exempt	5 Year Fixed BER Exempt	4.25	4.4
Switcher	A	4 Year HVM BER A	3.1	3.8
Switcher	B	4 Year HVM BER B	3.15	3.8
Switcher	C	4 Year HVM BER C	3.2	3.9
Switcher	D	4 Year HVM BER D	3.25	3.9
Switcher	E	4 Year HVM BER E	3.3	3.9
Switcher	F	4 Year HVM BER F	3.35	3.9
Switcher	G	4 Year HVM BER G	3.4	3.9
Switcher	BER Exempt	4 Year HVM BER Exempt	3.45	4
Switcher	A	5 Year HVM BER A	3.4	3.9
Switcher	B	5 Year HVM BER B	3.45	3.9
Switcher	C	5 Year HVM BER C	3.5	3.9
Switcher	D	5 Year HVM BER D	3.55	4
Switcher	E	5 Year HVM BER E	3.6	4
Switcher	F	5 Year HVM BER F	3.65	4
Switcher	G	5 Year HVM BER G	3.7	4
Switcher	BER Exempt	5 Year HVM BER Exempt	3.75	4.1
Switcher	A	7 Year HVM BER A	3.45	3.8
Switcher	B	7 Year HVM BER B	3.5	3.8
Switcher	C	7 Year HVM BER C	3.55	3.9
Switcher	D	7 Year HVM BER D	3.6	3.9
Switcher	E	7 Year HVM BER E	3.65	3.9
Switcher	F	7 Year HVM BER F	3.7	4
Switcher	G	7 Year HVM BER G	3.75	4
Switcher	BER Exempt	7 Year HVM BER Exempt	3.8	4
Switcher	A	10 Year Fixed BER A	4.2	4.3
Switcher	B	10 Year Fixed BER B	4.25	4.4
Switcher	C	10 Year Fixed BER C	4.3	4.4
Switcher	D	10 Year Fixed BER D	4.35	4.5
Switcher	E	10 Year Fixed BER E	4.4	4.5
Switcher	F	10 Year Fixed BER F	4.45	4.6
Switcher	G	10 Year Fixed BER G	4.5	4.6
Switcher	BER Exempt	10 Year Fixed BER Exempt	4.55	4.7
Switcher	A	Standard Variable	4.15	4.3
Switcher	B	Standard Variable	4.15	4.3
Switcher	C	Standard Variable	4.15	4.3
Switcher	D	Standard Variable	4.15	4.3
Switcher	E	Standard Variable	4.15	4.3
Switcher	F	Standard Variable	4.15	4.3
Switcher	G	Standard Variable	4.15	4.3
Switcher	BER Exempt	Standard Variable	4.15	4.3

*APRC means Annual Percentage Rate of Change

If you entered into a fixed-rate option prior to 18 April 2024, then you may be entitled to a loan to value (LTV) based standard variable rate upon maturity of that fixed-rate period.

Lending against buy-to-let (BTL) properties with a BER F and BER G will be prohibited unless it is intended to upgrade the property to an improved BER A to E.

Principal dwelling homes

Owner occupier rates are effective from 26 November 2024 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 standard variable rate applicable at that time. Customers on a variable rate can choose from our range of fixed rates.

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

Buy-to-let

Buy-to-Let new business rates are effective from the 19 November 2024 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 Standard Variable rate applicable at that time. Customers on a variable rate can choose from our range of fixed rates.

The lender is Bank of Ireland Mortgage Bank u.c. or Bank of Ireland. Lending criteria and terms and conditions apply. A typical buy-to-let mortgage of €100,000 over 20 years with 240 monthly instalments costs €650.63 per month at 4.85% variable (Annual Percentage Rate of Charge (APRC) 5.1%). APRC includes a fee for the Bank’s solicitor of €950 plus VAT at 23% plus outlay of up to €350. The total amount you pay is €157,669.65. 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 €55.55 per month.

High Value Mortgages (HVM)

High Value Mortgages fixed interest rates

Are you borrowing €250,000 or more for your homeowner mortgage? If so, you can choose our High Value Mortgage fixed interest rates.

Our High Value Mortgage fixed interest rates are a one, four, five or seven-year fixed rates. Once the initial fixed-rate period ends you will be able to choose from our normal interest rate options available to existing customers.

If you get our High Value Mortgage fixed interest rate, you will not get a Cashback offer. You might find that our High Value Mortgage fixed interest rate suits you better than a standard fixed rate with our Cashback offer. We’ll help you compare these.

High Value Mortgage fixed interest rates	BER Exempt	BER G	BER F	BER E	BER D	BER C	BER B	BER A
1 Year HVM Fixed	3.65%	3.60%	3.55%	3.50%	3.45%	3.40%	3.35%	3.30%
1 Year HVM Fixed APRC⁴	4.2%	4.2%	4.2%	4.2%	4.2%	4.2%	4.2%	4.2%
4 Year HVM Fixed	3.45%	3.40%	3.35%	3.30%	3.25%	3.20%	3.15%	3.10%
4 Year HVM Fixed APRC⁴	4.0%	3.9%	3.9%	3.9%	3.9%	3.9%	3.8%	3.8%
5 Year HVM Fixed	3.75%	3.70%	3.65%	3.60%	3.55%	3.50%	3.45%	3.40%
5 Year HVM Fixed APRC⁴	4.1%	4.0%	4.0%	4.0%	4.0%	3.9%	3.9%	3.9%
7 Year HVM Fixed	3.80%	3.75%	3.70%	3.65%	3.60%	3.55%	3.50%	3.45%
7 Year HVM Fixed APRC⁴	4.0%	4.0%	4.0%	3.9%	3.9%	3.9%	3.8%	3.8%

Here is an example of a €300,000 mortgage loan over 30 years showing how much you would repay if you chose the High Value fixed interest rate compared with our 5-year fixed rate with 3% Cashback¹. This is based on a Building Energy Rating of C (BER C).

	5-Year High Value Mortgage fixed interest rate	5-Year Fixed Rate with Cashback
Interest rate	3.50% (APRC 3.9%) for 5 years	4.00% (APRC 4.2%) for 5 years
Your monthly repayment for the first 5 years	€1,345.43	€1,429.95
Monthly repayment for the remainder of the loan²	€1,440.35	€1,452.34
Total amount repayable	€512,831.76	€521,500.53
3% Cashback¹ which may be paid to you	€0	€9,000.00
Total repayable (less cashback)³	€512,831.76	€512,500.53

Result: The example above shows that the overall cost will be €331.23 higher over the life of the loan with the High Value Mortgage fixed interest rate without cashback than it would be with our 5-year fixed rate with cashback.

Important information about the calculation above:

Cashback is 2% of the mortgage loan paid on drawdown + an additional 1% after 5 years, subject to meeting the conditions of the mortgage. See Cashback Plus terms and conditions.

Both rate options assume that the loan will roll to a standard variable rate of 4.15% (APRC 4.3%) and that this rate will not change for the remainder of the loan term (in practice interest rates can change over time).

The cost difference over the life of the mortgage will vary depending on the amount of the loan, its term (duration) and the interest rates that will apply after the fixed-rate period ends.

APRC means Annual Percentage Rate of Charge.

BER means Building Energy Rating.

Terms and conditions for HVM fixed interest rates
- The High Value Mortgage interest rates are a one, four, five or seven-year fixed rate.
- The 2% Cashback and Cashback Plus offers are NOT AVAILABLE with the High Value Mortgage fixed interest rate or our standard variable interest rate.
- The High Value Mortgage fixed interest rates are available to you if you:
- The High Value Mortgage interest rates are a one, four, five or seven-year fixed rate. It is not available with any other fixed-rate option or with any of our variable rates.
- The High Value Mortgage interest rates are a one, four, five or seven-year period that begins on the date the loan is drawn down (or on the date of first drawdown if the drawdown is in stages). Our standard interest rate options will apply at the end of that initial one, four, five or seven year fixed-rate period.
- Full terms and conditions of your mortgage loan will be in your mortgage loan documentation including your Letter of Offer.
- The High Value Mortgage fixed interest rates are not available to buy, build, or up-grade a residential property where you do not intend that that you, your family or your dependents will live in it as your (or their) principle residence, for example, the rate is not available where you intend to rent the property or use it as a holiday home rather than a principle residence.
- We reserve the right to withdraw the High Value Mortgage fixed interest rate at any time at our discretion.

Better BER, better fixed rate

Have you made home improvements or planning to in the future? If so, you may be entitled to a better mortgage rate as a result.

Discover our EcoSaver fixed rate

Need a helping hand?

Get support and assistance from our mortgage specialists, 9am to 5pm, Monday to Friday. Choose your preferred way to talk to us.

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.

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.

2 HVM is the High Value Mortgage Fixed Interest Rate:
The High Value Mortgage Interest rates are a one, four, five or seven year fixed interest rate with no Cashback. The High Value Mortgage fixed interest rate is available to you if you are buying or building a property to live in as your home or are switching your mortgage loan to the Bank of Ireland Group from another mortgage lender outside our Group, AND you are borrowing €250,000 or more. View High Value Mortgage fixed interest rate for full details and terms and conditions.

3 Up to 3% cashback is available to first-time buyers, movers and switchers who draw down a new mortgage. 2% cashback on 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 standard variable rate. Terms and conditions apply.

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

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Key factors to consider when comparing our mortgage rates

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Building Energy Rating (BER)

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It’s a good idea to review your mortgage from time to time, as there may be better options (for example, from other lenders) that could save you money.

Mortgage rates table

Principal dwelling homes

Buy-to-let

High Value Mortgages (HVM)

Better BER, better fixed rate

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