Our new, open-to-all EcoSaver Mortgage

Whether you’re an existing or new mortgage customer, The EcoSaver Mortgage saves you money while improving the energy efficiency of your home. Provide your BER to get your EcoSaver Mortgage interest rate, then benefit from even better rates every time your BER improves.

Begin your Mortgage Journey Now

Why choose The EcoSaver Mortgage

Lower interest rates

The better the BER, the better the EcoSaver fixed interest rate.

Cheaper energy bills

Cashback plus three percent with love heart donut chart icon

Waste less, pay less. Lower energy bills, permanently.

Easy calculations

Flexi-options house with rotating arrows donut chart icon

Use our home energy upgrade calculator to explore costs and savings.

One Stop Shop energy upgrades

Mortgage rates house with percentage symbol donut chart icon

We’ve partnered with SSE Airtricity to provide One-Stop-Shop upgrade services.

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

Mortgage Calculator  Begin your Mortgage Journey Now

Buying your first home

Start your home ownership journey the right way with The EcoSaver Mortgage. Find the BER number of the property you’re purchasing in the property listing to get started.

First time buyers

Existing Bank of Ireland mortgage holders

Provide your BER to access great EcoSaver Mortgage fixed interest rates. Get even better rates if your BER improves.

Mortgage service hub

Doing energy upgrades

Every time your BER goes up a letter, we’ll bring your EcoSaver Mortgage fixed interest rate down*. See how much you could save on your energy bills and your mortgage.

Check our retrofit tool

*Subject to terms and conditions


Inside The EcoSaver Mortgage

Wherever you are in your journey towards a cosier and more energy-efficient home, we’re here to help. Watch the video to find out more about The EcoSaver Mortgage and how to apply, and get answers to our most commonly asked questions.



How much can I save?

Improve your BER to reduce your interest rate with the EcoSaver Mortgage. The better the BER, the better the fixed interest rate.

Last update: 18/04/2024 07:49:00
mortgage type name BER Product Description Interest Rate APRC
First Time BuyerA1 Year Fixed BER A4.34.4
First Time BuyerB1 Year Fixed BER B4.354.5
First Time BuyerC1 Year Fixed BER C4.44.5
First Time BuyerD1 Year Fixed BER D4.454.6
First Time BuyerE1 Year Fixed BER E4.54.6
First Time BuyerF1 Year Fixed BER F4.554.7
First Time BuyerG1 Year Fixed BER G4.64.7
First Time BuyerBER Exempt1 Year Fixed BER Exempt4.654.8
First Time BuyerA2 Year Fixed BER A4.34.4
First Time BuyerB2 Year Fixed BER B4.354.5
First Time BuyerC2 Year Fixed BER C4.44.5
First Time BuyerD2 Year Fixed BER D4.454.6
First Time BuyerE2 Year Fixed BER E4.54.6
First Time BuyerF2 Year Fixed BER F4.554.7
First Time BuyerG2 Year Fixed BER G4.64.7
First Time BuyerBER Exempt2 Year Fixed BER Exempt4.654.8
First Time BuyerA3 Year Fixed BER A4.44.5
First Time BuyerB3 Year Fixed BER B4.454.6
First Time BuyerC3 Year Fixed BER C4.54.6
First Time BuyerD3 Year Fixed BER D4.554.7
First Time BuyerE3 Year Fixed BER E4.64.7
First Time BuyerF3 Year Fixed BER F4.654.8
First Time BuyerG3 Year Fixed BER G4.74.8
First Time BuyerBER Exempt3 Year Fixed BER Exempt4.754.9
First Time BuyerA5 Year Fixed BER A4.44.5
First Time BuyerB5 Year Fixed BER B4.454.6
First Time BuyerC5 Year Fixed BER C4.54.6
First Time BuyerD5 Year Fixed BER D4.554.7
First Time BuyerE5 Year Fixed BER E4.64.7
First Time BuyerF5 Year Fixed BER F4.654.8
First Time BuyerG5 Year Fixed BER G4.74.8
First Time BuyerBER Exempt5 Year Fixed BER Exempt4.754.9
First Time BuyerA4 Year HVM BER A3.64
First Time BuyerB4 Year HVM BER B3.654
First Time BuyerC4 Year HVM BER C3.74.1
First Time BuyerD4 Year HVM BER D3.754.1
First Time BuyerE4 Year HVM BER E3.84.1
First Time BuyerF4 Year HVM BER F3.854.1
First Time BuyerG4 Year HVM BER G3.94.2
First Time BuyerBER Exempt4 Year HVM BER Exempt3.954.2
First Time BuyerA5 Year HVM BER A3.94.1
First Time BuyerB5 Year HVM BER B3.954.2
First Time BuyerC5 Year HVM BER C44.2
First Time BuyerD5 Year HVM BER D4.054.2
First Time BuyerE5 Year HVM BER E4.14.2
First Time BuyerF5 Year HVM BER F4.154.3
First Time BuyerG5 Year HVM BER G4.24.3
First Time BuyerBER Exempt5 Year HVM BER Exempt4.254.4
First Time BuyerA7 Year HVM BER A3.954.1
First Time BuyerB7 Year HVM BER B44.2
First Time BuyerC7 Year HVM BER C4.054.2
First Time BuyerD7 Year HVM BER D4.14.2
First Time BuyerE7 Year HVM BER E4.154.3
First Time BuyerF7 Year HVM BER F4.24.3
First Time BuyerG7 Year HVM BER G4.254.4
First Time BuyerBER Exempt7 Year HVM BER Exempt4.34.4
First Time BuyerA10 Year Fixed BER A4.74.8
First Time BuyerB10 Year Fixed BER B4.754.9
First Time BuyerC10 Year Fixed BER C4.84.9
First Time BuyerD10 Year Fixed BER D4.855
First Time BuyerE10 Year Fixed BER E4.95
First Time BuyerF10 Year Fixed BER F4.955.1
First Time BuyerG10 Year Fixed BER G55.1
First Time BuyerBER Exempt10 Year Fixed BER Exempt5.055.2
SwitcherA1 Year Fixed BER A4.34.4
SwitcherB1 Year Fixed BER B4.354.5
SwitcherC1 Year Fixed BER C4.44.5
SwitcherD1 Year Fixed BER D4.454.6
SwitcherE1 Year Fixed BER E4.54.6
SwitcherF1 Year Fixed BER F4.554.7
SwitcherG1 Year Fixed BER G4.64.7
SwitcherBER Exempt1 Year Fixed BER Exempt4.654.8
SwitcherA2 Year Fixed BER A4.34.4
SwitcherB2 Year Fixed BER B4.354.5
SwitcherC2 Year Fixed BER C4.44.5
SwitcherD2 Year Fixed BER D4.454.6
SwitcherE2 Year Fixed BER E4.54.6
SwitcherF2 Year Fixed BER F4.554.7
SwitcherG2 Year Fixed BER G4.64.7
SwitcherBER Exempt2 Year Fixed BER Exempt4.654.8
SwitcherA3 Year Fixed BER A4.44.5
SwitcherB3 Year Fixed BER B4.454.6
SwitcherC3 Year Fixed BER C4.54.6
SwitcherD3 Year Fixed BER D4.554.7
SwitcherE3 Year Fixed BER E4.64.7
SwitcherF3 Year Fixed BER F4.654.8
SwitcherG3 Year Fixed BER G4.74.8
SwitcherBER Exempt3 Year Fixed BER Exempt4.754.9
SwitcherA5 Year Fixed BER A4.44.5
SwitcherB5 Year Fixed BER B4.454.6
SwitcherC5 Year Fixed BER C4.54.6
SwitcherD5 Year Fixed BER D4.554.7
SwitcherE5 Year Fixed BER E4.64.7
SwitcherF5 Year Fixed BER F4.654.8
SwitcherG5 Year Fixed BER G4.74.8
SwitcherBER Exempt5 Year Fixed BER Exempt4.754.9
SwitcherA4 Year HVM BER A3.64
SwitcherB4 Year HVM BER B3.654
SwitcherC4 Year HVM BER C3.74.1
SwitcherD4 Year HVM BER D3.754.1
SwitcherE4 Year HVM BER E3.84.1
SwitcherF4 Year HVM BER F3.854.1
SwitcherG4 Year HVM BER G3.94.2
SwitcherBER Exempt4 Year HVM BER Exempt3.954.2
SwitcherA5 Year HVM BER A3.94.1
SwitcherB5 Year HVM BER B3.954.2
SwitcherC5 Year HVM BER C44.2
SwitcherD5 Year HVM BER D4.054.2
SwitcherE5 Year HVM BER E4.14.2
SwitcherF5 Year HVM BER F4.154.3
SwitcherG5 Year HVM BER G4.24.3
SwitcherBER Exempt5 Year HVM BER Exempt4.254.4
SwitcherA7 Year HVM BER A3.954.1
SwitcherB7 Year HVM BER B44.2
SwitcherC7 Year HVM BER C4.054.2
SwitcherD7 Year HVM BER D4.14.2
SwitcherE7 Year HVM BER E4.154.3
SwitcherF7 Year HVM BER F4.24.3
SwitcherG7 Year HVM BER G4.254.4
SwitcherBER Exempt7 Year HVM BER Exempt4.34.4
SwitcherA10 Year Fixed BER A4.74.8
SwitcherB10 Year Fixed BER B4.754.9
SwitcherC10 Year Fixed BER C4.84.9
SwitcherD10 Year Fixed BER D4.855
SwitcherE10 Year Fixed BER E4.95
SwitcherF10 Year Fixed BER F4.955.1
SwitcherG10 Year Fixed BER G55.1
SwitcherBER Exempt10 Year Fixed BER Exempt5.055.2
MoverA1 Year Fixed BER A4.34.4
MoverB1 Year Fixed BER B4.354.5
MoverC1 Year Fixed BER C4.44.5
MoverD1 Year Fixed BER D4.454.6
MoverE1 Year Fixed BER E4.54.6
MoverF1 Year Fixed BER F4.554.7
MoverG1 Year Fixed BER G4.64.7
MoverBER Exempt1 Year Fixed BER Exempt4.654.8
MoverA2 Year Fixed BER A4.34.4
MoverB2 Year Fixed BER B4.354.5
MoverC2 Year Fixed BER C4.44.5
MoverD2 Year Fixed BER D4.454.6
MoverE2 Year Fixed BER E4.54.6
MoverF2 Year Fixed BER F4.554.7
MoverG2 Year Fixed BER G4.64.7
MoverBER Exempt2 Year Fixed BER Exempt4.654.8
MoverA3 Year Fixed BER A4.44.5
MoverB3 Year Fixed BER B4.454.6
MoverC3 Year Fixed BER C4.54.6
MoverD3 Year Fixed BER D4.554.7
MoverE3 Year Fixed BER E4.64.7
MoverF3 Year Fixed BER F4.654.8
MoverG3 Year Fixed BER G4.74.8
MoverBER Exempt3 Year Fixed BER Exempt4.754.9
MoverA5 Year Fixed BER A4.44.5
MoverB5 Year Fixed BER B4.454.6
MoverC5 Year Fixed BER C4.54.6
MoverD5 Year Fixed BER D4.554.7
MoverE5 Year Fixed BER E4.64.7
MoverF5 Year Fixed BER F4.654.8
MoverG5 Year Fixed BER G4.74.8
MoverBER Exempt5 Year Fixed BER Exempt4.754.9
MoverA4 Year HVM BER A3.64
MoverB4 Year HVM BER B3.654
MoverC4 Year HVM BER C3.74.1
MoverD4 Year HVM BER D3.754.1
MoverE4 Year HVM BER E3.84.1
MoverF4 Year HVM BER F3.854.1
MoverG4 Year HVM BER G3.94.2
MoverBER Exempt4 Year HVM BER Exempt3.954.2
MoverA5 Year HVM BER A3.94.1
MoverB5 Year HVM BER B3.954.2
MoverC5 Year HVM BER C44.2
MoverD5 Year HVM BER D4.054.2
MoverE5 Year HVM BER E4.14.2
MoverF5 Year HVM BER F4.154.3
MoverG5 Year HVM BER G4.24.3
MoverBER Exempt5 Year HVM BER Exempt4.254.4
MoverA7 Year HVM BER A3.954.1
MoverB7 Year HVM BER B44.2
MoverC7 Year HVM BER C4.054.2
MoverD7 Year HVM BER D4.14.2
MoverE7 Year HVM BER E4.154.3
MoverF7 Year HVM BER F4.24.3
MoverG7 Year HVM BER G4.254.4
MoverBER Exempt7 Year HVM BER Exempt4.34.4
MoverA10 Year Fixed BER A4.74.8
MoverB10 Year Fixed BER B4.754.9
MoverC10 Year Fixed BER C4.84.9
MoverD10 Year Fixed BER D4.855
MoverE10 Year Fixed BER E4.95
MoverF10 Year Fixed BER F4.955.1
MoverG10 Year Fixed BER G55.1
MoverBER Exempt10 Year Fixed BER Exempt5.055.2
ExistingA1 Year Fixed BER A3.84.2
ExistingB1 Year Fixed BER B3.854.2
ExistingC1 Year Fixed BER C3.94.2
ExistingD1 Year Fixed BER D3.954.2
ExistingE1 Year Fixed BER E44.2
ExistingF1 Year Fixed BER F4.054.2
ExistingG1 Year Fixed BER G4.14.2
ExistingBER Exempt1 Year Fixed BER Exempt4.154.3
ExistingNo BER1 Year Fixed No BER4.154.3
ExistingA2 Year Fixed BER A3.84.2
ExistingB2 Year Fixed BER B3.854.2
ExistingC2 Year Fixed BER C3.94.2
ExistingD2 Year Fixed BER D3.954.2
ExistingE2 Year Fixed BER E44.2
ExistingF2 Year Fixed BER F4.054.2
ExistingG2 Year Fixed BER G4.14.2
ExistingBER Exempt2 Year Fixed BER Exempt4.154.3
ExistingNo BER2 Year Fixed No BER4.154.3
ExistingA3 Year Fixed BER A3.94.2
ExistingB3 Year Fixed BER B3.954.2
ExistingC3 Year Fixed BER C44.2
ExistingD3 Year Fixed BER D4.054.2
ExistingE3 Year Fixed BER E4.14.2
ExistingF3 Year Fixed BER F4.154.3
ExistingG3 Year Fixed BER G4.24.3
ExistingBER Exempt3 Year Fixed BER Exempt4.254.4
ExistingNo BER3 Year Fixed No BER4.254.4
ExistingA5 Year Fixed BER A3.94.1
ExistingB5 Year Fixed BER B3.954.2
ExistingC5 Year Fixed BER C44.2
ExistingD5 Year Fixed BER D4.054.2
ExistingE5 Year Fixed BER E4.14.2
ExistingF5 Year Fixed BER F4.154.3
ExistingG5 Year Fixed BER G4.24.3
ExistingBER Exempt5 Year Fixed BER Exempt4.254.4
ExistingNo BER5 Year Fixed No BER4.254.4
ExistingA10 Year Fixed BER A4.24.3
ExistingB10 Year Fixed BER B4.254.4
ExistingC10 Year Fixed BER C4.34.4
ExistingD10 Year Fixed BER D4.354.5
ExistingE10 Year Fixed BER E4.44.5
ExistingF10 Year Fixed BER F4.454.6
ExistingG10 Year Fixed BER G4.54.6
ExistingBER Exempt10 Year Fixed BER Exempt4.554.7
ExistingNo BER10 Year Fixed No BER4.554.7
Investor - NewABTL 2 Year Fixed BER A6.156.5
Investor - NewBBTL 2 Year Fixed BER B6.26.6
Investor - NewCBTL 2 Year Fixed BER C6.256.6
Investor - NewDBTL 2 Year Fixed BER D6.36.7
Investor - NewEBTL 2 Year Fixed BER E6.356.7
Investor - NewFBTL 2 Year Fixed BER F6.46.8
Investor - NewGBTL 2 Year Fixed BER G6.456.8
Investor - NewBER ExemptBTL 2 Year Fixed BER Exempt6.56.9
Investor - NewABTL 5 Year Fixed BER A6.36.7
Investor - NewBBTL 5 Year Fixed BER B6.356.7
Investor - NewCBTL 5 Year Fixed BER C6.46.8
Investor - NewDBTL 5 Year Fixed BER D6.456.8
Investor - NewEBTL 5 Year Fixed BER E6.56.9
Investor - NewFBTL 5 Year Fixed BER F6.556.9
Investor - NewGBTL 5 Year Fixed BER G6.67
Investor - NewBER ExemptBTL 5 Year Fixed BER Exempt6.657
Investor - ExistingABTL 2 Year Fixed BER A5.656
Investor - ExistingBBTL 2 Year Fixed BER B5.76
Investor - ExistingCBTL 2 Year Fixed BER C5.756.1
Investor - ExistingDBTL 2 Year Fixed BER D5.86.1
Investor - ExistingEBTL 2 Year Fixed BER E5.856.2
Investor - ExistingFBTL 2 Year Fixed BER F5.96.3
Investor - ExistingGBTL 2 Year Fixed BER G5.956.3
Investor - ExistingBER ExemptBTL 2 Year Fixed BER Exempt66.4
Investor - ExistingNo BERBTL 2 Year Fixed No BER66.4
Investor - ExistingABTL 5 Year Fixed BER A5.86.1
Investor - ExistingBBTL 5 Year Fixed BER B5.856.2
Investor - ExistingCBTL 5 Year Fixed BER C5.96.3
Investor - ExistingDBTL 5 Year Fixed BER D5.956.3
Investor - ExistingEBTL 5 Year Fixed BER E66.4
Investor - ExistingFBTL 5 Year Fixed BER F6.056.4
Investor - ExistingGBTL 5 Year Fixed BER G6.16.5
Investor - ExistingBER ExemptBTL 5 Year Fixed BER Exempt6.156.5
Investor - ExistingNo BERBTL 5 Year Fixed No BER 6.156.5

 

Lending against 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 – E.

  • The EcoSaver Mortgage

    The EcoSaver Mortgage was launched on 18 April 2024, and provides customers with discounts based on their building energy rating (BER). The better the BER, the better the discount.

    It is available to new customers and those who already have a mortgage with Bank of Ireland. The EcoSaver Mortgage is only offered on fixed rates. It does not apply to a standard variable, tracker variable or any other sort of variable rate of interest.

    What you need to apply for The EcoSaver Mortgage

    If you are looking to get a mortgage from Bank of Ireland or want to switch your mortgage from another financial provider, we will ask you for your BER rating and your BER certificate as part of your application. We will then show you the interest rates available to you, based on your BER certificate.

    How to get an EcoSaver mortgage if you are already an existing Bank of Ireland mortgage holder

    If you already have a fixed rate mortgage with Bank of Ireland, there are two ways that you can get The EcoSaver Mortgage:

    1. You can wait until your current fixed rate expires. We will write to you about two months before that maturity date and offer you The EcoSaver Mortgage.

      At this time, you will need to have an up-to-date BER cert to get The EcoSaver Mortgage discount.

      OR

    2. If you want to, you can break your current fixed rate and get The EcoSaver Mortgage. But please note that:

      The EcoSaver Mortgage discounts being offered are discounts based off the standard fixed rates we offer today. They may not give you a saving if you are on a fixed rate that is cheaper than the rates we offer today, even with an EcoSaver Mortgage discount.

      You may have to pay us compensation to break out of your current fixed rate, before its maturity date. Please contact us before you break a fixed rate, to find out if you have to pay compensation and, if so, how much it will be.

      If you wish to break your current fixed rate for The EcoSaver Mortgage, please click here and select “Request a New Rate”

      If you are an existing customer, please click here to see the current rates.

    If you are a variable customer and want to get The EcoSaver Mortgage which is a fixed interest rate please click here and select “Request a New Rate”. Please note that

    • All EcoSaver Mortgages are fixed and not variable rates. They may be more expensive than your present variable or tracker interest rate.
    • Unlike a fixed rate, there will never be a charge for moving from your variable mortgage interest rate.
    • If you move from a tracker to an EcoSaver Mortgage fixed rate, when it ends you will not be able to return to a tracker interest rate if you have one now, or to any other variable rate product or discount you may have.
    • If you are an existing customer please click here to see current rates 
    • You will need to have an up-to-date BER certificate, to get The EcoSaver Mortgage discount
    • If you don’t have a BER certificate for your property or it has expired (certificates last for 10 years), you’ll need to have a BER assessment carried out by someone on the SEAI national register of BER assessors. You can find a BER assessor on the SEAI website (www.seai.ie). You’ll need to agree a fee for this work with the assessor before they start work. It’s a good idea to shop around and get a few quotes before you select an assessor. Prices may vary depending on the size and nature of your property with prices starting from around €200. Bank of Ireland takes no responsibility for the accuracy of information from third party websites.
    • If you do not give us an up-to-date BER certificate and want to get a fixed rate, we will give you a standard fixed rate of your choice (for example, a 5-year fixed rate). By “standard”, we mean there will be no discount for BER.
    • Once you have our EcoSaver Mortgage fixed rate, you may improve your EcoSaver Mortgage discount if you improve the BER rating of your property. See EcoSaver Improver terms and conditions below

    Where will I find The EcoSaver Mortgage terms and conditions?

    We will set these out the document we ask you to sign to get The EcoSaver Mortgage. If you are a new customer it will be an Offer Letter. If you are an existing customer, we will give you a form called a Mortgage Form of Authorisation. The EcoSaver Mortgage is subject to these terms and conditions.

    Must the BER certificate be for the property that is mortgaged as security for the mortgage loan?

    Yes.

    WARNING: If you switch to an alternative interest rate you will not be contractually entitled to go back onto a tracker interest rate in the future.


  • The EcoSaver Mortgage BER Improver Terms and Conditions

    If you are a customer on an EcoSaver Mortgage fixed interest rate, you may be able to get a better EcoSaver Mortgage discount if the building energy rating (BER) on your property improves.

    This applies to you if you have a mortgage loan with us and you are already on an EcoSaver Mortgage fixed interest rate on that loan (the “Loan”). The EcoSaver Mortgage fixed interest rate provides an EcoSaver Mortgage discount based on the BER rating of your property. The better the BER rating, the better the interest rate.

    You may be able to get an even better EcoSaver Mortgage discount for the rest of the period of the fixed rate, if the BER rating on your property has improved. Your rating will need to move up at least one letter on the BER scale compared to your previous rating. For example, if your BER rating improves from C3 to B1, that will work. An improvement within a letter – for example, from C3 to C1 – will not work.

    If you think you will qualify for an improvement, fill in your Meter Point Reference Number (MPRN – Your MPRN is the unique 11-digit number assigned to your electricity connection and meter. It starts with the digits 10 and is always shown on the bill from your electricity supplier) or BER number (To find your BER number, please go to “SEAI National BER Register” website and input your MPRN) and mortgage loan account number (You’ll find this on page 1 of your mortgage loan statement or any mortgage correspondence in the form here and follow the instructions.

    The terms and conditions below apply to this offer, please read them carefully. If you qualify for a better EcoSaver Mortgage discount, we will subtract it from our standard fixed rate to work out your improved EcoSaver Mortgage fixed interest rate (we don’t subtract the improved EcoSaver Mortgage discount from your current EcoSaver Mortgage fixed interest rate). There is an example, below, in point 10.

    Terms and conditions

    1. You must be on an EcoSaver Mortgage fixed interest rate, to get the EcoSaver Mortgage discounts.  
    2. You will qualify for a better EcoSaver Mortgage discount if the BER rating for your property has improved on the BER scale (compared to the rating in the previous BER certificate you have given to us) from one letter to a different letter, for example from a BER rating of C to B; or C to A.
    3. It is not enough if the BER rating improves but stays within the same letter. For example, an improvement from a BER rating of C3 to C1 will not entitle you to an improved EcoSaver Mortgage discount. 
    4. If you are on an EcoSaver Mortgage fixed interest rate that is set out in your mortgage loan offer letter, this clause applies to you: A table showing the EcoSaver Mortgage discounts for each of the BER ratings that can apply during the period of your present EcoSaver Mortgage fixed interest rate is shown in the mortgage letter of offer for the Loan. We calculate any improved EcoSaver Mortgage discount for your present EcoSaver Mortgage fixed interest rate by referring to that table set out in your mortgage loan offer letter. We may have different tables for any future EcoSaver Mortgage fixed interest rate you enter into.  
    5. If you are on an EcoSaver Mortgage fixed interest rate that is set out in a Mortgage Form of Authorisation (MFA), this clause applies to you: the discounts for each of the BER ratings that can apply to your present EcoSaver Mortgage fixed interest rate are shown in the MFA in which you selected the EcoSaver Mortgage fixed interest rate you are now on under the Loan.  We calculate any improved EcoSaver Mortgage discount for your present EcoSaver Mortgage fixed interest rate by referring to the table set out in that MFA. We may have different tables for any future EcoSaver Mortgage fixed interest rate you enter into. 
    6. You must fill in your MPRN or BER certificate number and your mortgage loan account number through this link:  Click here for further details.
    7. We will use the MPRN or BER certificate number you input to find the BER certificate for your property on the SEAI website and to check it; it must show the BER rating for your property has improved on the BER scale from one letter to another; and must otherwise be in order.
    8. Once we are satisfied that the BER certificate for your property on the SEAI website meets these terms and conditions, we will apply the improved EcoSaver Mortgage discount from that date until the end of the period of the EcoSaver fixed interest rate. We do not backdate the improved EcoSaver rate to the beginning of the period of the EcoSaver fixed interest rate. 
    9. You can only improve an existing EcoSaver Mortgage fixed interest rate this way. You can’t use these terms and conditions to get a discount on any interest rate (for example a variable rate, a standard fixed rate or a Green mortgage fixed rate) that is not an EcoSaver Mortgage fixed interest rate.  

    10. Every EcoSaver Mortgage discount is subtracted from one of our standard fixed interest rates to calculate an EcoSaver Mortgage fixed interest rate. If you get an improved EcoSaver Mortgage discount under these terms and conditions, we will subtract the improved EcoSaver Mortgage discount from the relevant standard fixed interest rate to work out your improved EcoSaver Mortgage fixed interest rate. We never subtract an EcoSaver Mortgage discount from an EcoSaver fixed rate.

       

      Here is an example (all figures are imaginary and not representative):

      • Our standard 5-year fixed interest rate without EcoSaver Mortgage discount is 4.75% 
      • Jane and Mark have a C BER rated home and have selected a 5-year EcoSaver Mortgage fixed interest rate of 4.50% based on a “C” BER rating 
      • How we work this out – the standard rate of 4.75% minus the EcoSaver Mortgage discount of 0.25% = 4.5%  
      • Jane and Mark have completed home improvements and now have a new BER cert showing an “A” rating 
      • They now qualify for the A rated EcoSaver Mortgage fixed interest rate of 4.40%  
      • How we work this out – the standard rate of 4.75% minus the EcoSaver Mortgage discount of 0.35% = 4.4% for the remaining term of the initial fixed rate.

      11.  

    11. We may withdraw, modify or replace our EcoSaver offering at any time. We can’t promise that any future fixed interest rate will have an EcoSaver Mortgage discount. 
    12. In these terms and conditions, the following expressions have the following meanings: 
      1. “BER” and “BER rating” refer to a Building Energy Rating; 
      2. “EcoSaver Mortgage discount” means a discount we apply under our EcoSaver offer to a standard fixed interest rate based on the BER of the property which is mortgaged to secure the mortgage loan; 
      3. “EcoSaver Mortgage fixed interest rate” refers to a fixed rate of interest that includes an EcoSaver Mortgage discount;  
      4. “EcoSaver offer” refers to our offering with that name which was launched in or about April 2024; 
      5. “Property” means the property that has been mortgaged to secure the Loan to which the EcoSaver fixed interest rate relates: 
      6. “Standard fixed rate” refers to a fixed interest rate that has not been reduced by an EcoSaver Mortgage discount. To avoid any doubt: our Green mortgage interest rate is a standard fixed rate (although it has a discount for a BER rating it is not part of our EcoSaver offer). 


The lender is Bank of Ireland Mortgages. 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. 

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

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, AND you draw down your new mortgage loan before 31 December 2024. Cashback is not available with the High Value Mortgage Interest Rates.

Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 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. As of 18 April 2024, cashback will not be available for new mortgage loans that draw down on a standard variable 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, 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.

Bank of Ireland takes no responsibility for the accuracy of information from third party websites.

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 BER?

    A Building Energy Rating (BER) certificate is simply the rating of your home’s energy performance on a scale between A and G. A-rated homes are the most energy efficient while G-rated are the least energy efficient. You will need a valid BER to be offered a EcoSaver Mortgage Discount.


  • How do I get a BER cert?

    All you have to do to get your BER cert is book an appointment with an independent registered BER assessor through the SEAI National Register of BER Assessors. See Sustainable Energy Authority Of Ireland | SEAI for more detail.


  • Do I need to do a full retrofit to get the EcoSaver Mortgage?

    Nope. Our EcoSaver Mortgage is based on your property’s BER rating. Remember – the better the BER, the better the EcoSaver interest rate. If you are doing up your home and your BER improves, come back to us so we can award a new discount based on your new BER and apply it to the remaining term of your EcoSaver Mortgage fixed rate.


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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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