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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.

LTV = Loan to Value. APRC = Annual Percentage rate of Charge.
Owner Occupier rates are effective from 30th January 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 available to existing customers or roll to the LTV Variable rate applicable at that time. Customers on a variable rate can choose from our range of fixed rates available to existing customers. 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.


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