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Lowest 1 and 2 Year Fixed Rate Mortgages

Fixed Mortgage Rates

Life moves fast and can bring lots of changes, so it’s good to know that your mortgage doesn’t have to change.

With our range of great value fixed rate mortgages, your monthly repayments will stay the same so you’ll always know what you’re paying.

We offer a range of competitive fixed and variable rate options.

Bank of Ireland current account customers who buy their first home, move home or switch their mortgage to us – we’ll give you 3% of your new mortgage back as cash. 2% when you draw down and 1% in five years’ time (subject to meeting the conditions of the mortgage). Terms and conditions apply. See full details of our Cashback PLUS offer here.

Cashback is not available with the High Value Mortgage fixed interest rate.

And if you need some flexibility we can help with that.

Our range of flexi-options include 3 month payment breaks, perfect if you are changing job, having a baby or heading off on that trip of a lifetime. Find out more about our flexi-options here.

 

Interest Rates

We offer a wide range of fixed rate options ranging from 12 months to 10 years. You can even choose a combination of fixed and variable rates – a Twin interest rate – where you fix a portion of your mortgage and put the rest on a variable rate. Ask us about the rate options available to you.

 

Last update: 13/08/2019 07:43:31
mortgage type name ltv rule product ltv description fixed or variable interest rate percentage apr
First Time Buyer<=60%1 Year Fixed LTV <=60%fixed2.903.9
First Time Buyer61%-80%1 Year Fixed LTV 61%-80%fixed2.904.2
First Time Buyer>80%1 Year Fixed LTV >80%fixed2.904.4
First Time Buyer<=60%2 Year Fixed LTV <=60%fixed2.903.8
First Time Buyer61%-80%2 Year Fixed LTV 61%-80%fixed2.904
First Time Buyer>80%2 Year Fixed LTV >80%fixed2.904.3
First Time Buyer<=60%3 Year Fixed LTV <=60%fixed3.003.7
First Time Buyer61%-80%3 Year Fixed LTV 61%-80%fixed3.003.9
First Time Buyer>80%3 Year Fixed LTV >80%fixed3.004.1
First Time Buyer<=60%5 Year Fixed LTV <=60%fixed3.003.6
First Time Buyer61%-80%5 Year Fixed LTV 61%-80%fixed3.003.7
First Time Buyer>80%5 Year Fixed LTV >80%fixed3.003.9
First Time Buyer<=60%5 Year Fixed HVM* LTV <=60%fixed2.503.3
First Time Buyer61%-80%5 Year Fixed HVM* LTV 61%-80%fixed2.503.5
First Time Buyer>80%5 Year Fixed HVM* LTV >80%fixed2.503.7
First Time Buyer<=60%10 Year Fixed LTV <=60%fixed3.303.5
First Time Buyer61%-80%10 Year Fixed LTV 61%-80%fixed3.303.6
First Time Buyer>80%10 Year Fixed LTV >80%fixed3.503.8
First Time Buyer<=60%Variable LTV <=60%variable3.904
First Time Buyer61%-80%Variable LTV 61%-80%variable4.204.3
First Time Buyer>80%Variable LTV >80%variable4.504.6
Mover<=60%1 Year Fixed LTV <=60%fixed2.903.9
Mover61%-80%1 Year Fixed LTV 61%-80%fixed2.904.2
Mover>80%1 Year Fixed LTV >80%fixed2.904.4
Mover<=60%2 Year Fixed LTV <=60%fixed2.903.8
Mover61%-80%2 Year Fixed LTV 61%-80%fixed2.904
Mover>80%2 Year Fixed LTV >80%fixed2.904.3
Mover<=60%3 Year Fixed LTV <=60%fixed3.003.7
Mover61%-80%3 Year Fixed LTV 61%-80%fixed3.003.9
Mover>80%3 Year Fixed LTV >80%fixed3.004.1
Mover<=60%5 Year Fixed LTV <=60%fixed3.003.6
Mover61%-80%5 Year Fixed LTV 61%-80%fixed3.003.7
Mover>80%5 Year Fixed LTV >80%fixed3.003.9
Mover<=60%5 Year Fixed HVM* LTV <=60%fixed2.503.3
Mover61%-80%5 Year Fixed HVM* LTV 61%-80%fixed2.503.5
Mover>80%5 Year Fixed HVM* LTV >80%fixed2.503.7
Mover<=60%10 Year Fixed LTV <=60%fixed3.303.5
Mover61%-80%10 Year Fixed LTV 61%-80%fixed3.303.6
Mover>80%10 Year Fixed LTV >80%fixed3.503.8
Mover<=60%Variable LTV <=60%variable3.904
Mover61%-80%Variable LTV 61%-80%variable4.204.3
Mover>80%Variable LTV >80%variable4.504.6
Investor<50%2 Year Fixed LTV <50%fixed4.755.1
Investor50% - 75%2 Year Fixed LTV 50% - 75%fixed4.995.3
Investor<50%5 Year Fixed LTV <50%fixed4.905.2
Investor50% - 75%5 Year Fixed LTV 50% - 75%fixed5.105.4
Investor<50%Variable LTV <50%variable4.604.9
Investor50% - 75%Variable LTV 50% - 75%variable4.805.1
InvestorRoll to Variable LTVroll to variable4.804.9
Switcher<=60%1 Year Fixed LTV <=60%fixed2.903.9
Switcher61%-80%1 Year Fixed LTV 61%-80%fixed2.904.2
Switcher>80%1 Year Fixed LTV >80%fixed2.904.4
Switcher<=60%2 Year Fixed LTV <=60%fixed2.903.8
Switcher61%-80%2 Year Fixed LTV 61%-80%fixed2.904
Switcher>80%2 Year Fixed LTV >80%fixed2.904.3
Switcher<=60%3 Year Fixed LTV <=60%fixed3.003.7
Switcher61%-80%3 Year Fixed LTV 61%-80%fixed3.003.9
Switcher>80%3 Year Fixed LTV >80%fixed3.004.1
Switcher<=60%5 Year Fixed LTV <=60%fixed3.003.6
Switcher61%-80%5 Year Fixed LTV 61%-80%fixed3.003.7
Switcher>80%5 Year Fixed LTV >80%fixed3.003.9
Switcher<=60%5 Year Fixed HVM* LTV <=60%fixed2.503.3
Switcher61%-80%5 Year Fixed HVM* LTV 61%-80%fixed2.503.5
Switcher>80%5 Year Fixed HVM* LTV >80%fixed2.503.7
Switcher<=60%10 Year Fixed LTV <=60%fixed3.303.5
Switcher61%-80%10 Year Fixed LTV 61%-80%fixed3.303.6
Switcher>80%10 Year Fixed LTV >80%fixed3.503.8
Switcher<=60%Variable LTV <=60%variable3.904
Switcher61%-80%Variable LTV 61%-80%variable4.204.3
Switcher>80%Variable LTV >80%variable4.504.6
Existing<=60%1 Year Fixed LTV <=60%fixed2.903.9
Existing61%-80%1 Year Fixed LTV 61%-80%fixed2.904.2
Existing>80%1 Year Fixed LTV >80%fixed2.904.4
Existing<=60%2 Year Fixed LTV <=60%fixed2.903.8
Existing61%-80%2 Year Fixed LTV 61%-80%fixed2.904
Existing>80%2 Year Fixed LTV >80%fixed2.904.3
Existing<=60%3 Year Fixed LTV <=60%fixed3.003.7
Existing61%-80%3 Year Fixed LTV 61%-80%fixed3.003.9
Existing>80%3 Year Fixed LTV >80%fixed3.004.1
Existing<=60%5 Year Fixed LTV <=60%fixed3.003.6
Existing61%-80%5 Year Fixed LTV 61%-80%fixed3.003.7
Existing>80%5 Year Fixed LTV >80%fixed3.003.9
Existing<=60%5 Year Fixed HVM* LTV <=60%fixed2.503.3
Existing61%-80%5 Year Fixed HVM* LTV 61%-80%fixed2.503.5
Existing>80%5 Year Fixed HVM* LTV >80%fixed2.503.7
Existing<=60%10 Year Fixed LTV <=60%fixed3.303.5
Existing61%-80%10 Year Fixed LTV 61%-80%fixed3.303.6
Existing>80%10 Year Fixed LTV >80%fixed3.503.8
Existing<=60%Variable LTV <=60%variable3.904
Existing61%-80%Variable LTV 61%-80%variable4.204.3
Existing>80%Variable LTV >80%variable4.504.6

 

Green Mortgage Fixed Interest Rate

The Green Mortgage fixed interest rate is a discount (reduction) of 0.20% that we apply to our standard mortgage loan fixed rates. The Green Mortgage fixed interest rate is available to you if you are buying a property that has a Building Energy Rating (BER) of A3 or better or are borrowing to build or up-grade your home so that it has a BER rating of A3 or better, AND you draw down your new mortgage loan between 18 July 2019 and 30 June 2020. Click here for full details and terms and conditions.

* HVM is the High Value Mortgage Fixed Interest Rate
The High Value Mortgage fixed interest rate is a five-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 €400,000 or more, AND you draw down your new mortgage loan between 18 July 2019 and 30 June 2020. Click here for full details and terms and conditions.

LTV = Loan to Value. APRC = Annual Percentage rate of Charge.
*Since 08/2010.
Owner Occupier rates are effective from 18th July 2019 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.
A payment break allows a 3 month break from mortgage repayments. The mortgage must be fully drawn for min 2 years with all mortgage obligations met. Subject to approval. After the payment break, repayments are adjusted to repay the mortgage within the original term.
Lending criteria and terms and conditions apply. Over 18s only. Security and insurance required. The Lender is Bank of Ireland Mortgages. Mortgage approval is subject to assessment of suitability and affordability. We require property and life insurance. You mortgage your home to secure the loan. 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. 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.
Cashback is not available with the High Value Mortgage fixed interest rate.

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 in the future.

Warning: THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE.

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