Mortgage Service Hub

We’ve made it easier and quicker for you to manage your mortgage online.

Mortgage Self Service  My Mortgage Account

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Overview of mortgage interest tax relief, highlighting key changes and benefits.
Overview of mortgage interest tax relief, highlighting key changes and benefits.

We’re with you through your mortgage journey, with solutions designed to suit you – from the time you start saving for your deposit, when you’re ready to buy, and throughout the life of your mortgage

Whether you’ve recently taken out your mortgage or you have one for a while, we want to help you make the most of your mortgage.


Self-serve online

We’ve made it easier and quicker for you to manage your mortgage online. We offer self-service on all the services listed below. We’ll look after your request and get back to you within 3 working days.

Need help finding your mortgage account number? Simply text Mymortgage to 50365, and we’ll send your mortgage account number to you instantly.

Mortgage Self Service
 


  • Services that you can request are:

    I would like

    • an account statement
    • an interest certificate
    • to overpay on my mortgage
    • to stop overpaying on my mortgage
    • to change my mortgage repayment date
    • to skip a month’s repayments
    • to arrange a payment break
    • to set up a direct debit
    • to change to a new mortgage rate

    More information on each on these services is available below





Flexi Options

Look at how you can flex your mortgage to suits your lifestyle by choosing these flexi options


  • Get information on your mortgage

    Need information on your existing mortgage? Register to get instant access to your mortgage information like your mortgage balance, repayment amount and date, current rate, maturity date and more.

    Already registered? Click below to log in.
     
    My Mortgage Account

  • Skip up to 2 payments a year

    If you would like to have a little extra to spend at certain times of the year – such as Christmas or holiday time – you can spread your mortgage repayments in a year over 10 or 11 months and skip the other one or two.

    For example, if you would like to skip your repayment in December to have some extra cash at Christmas time, we can arrange for your repayments to be higher for the rest of the year so that you will make your full 12 months’ repayments over 11 months. Once you select a skip month repayment option it will continue each year unless you ask us to change it.

    Click here to apply
     
    Mortgage Self Service
     
    Subject to meeting the conditions of your mortgage. Lending criteria and terms and conditions apply.

  • Overpay Your mortgage and save interest

    You can make Overpayments, either regularly or as lump sums, when you find yourself with extra cash. This will reduce your capital balance and you pay less interest. It may even reduce your term.

    You can make regular or lump sum overpayments of any amount to a variable rate mortgage.

    If you are on a fixed rate you can overpay up to 10% of your normal monthly repayment (or €65, whichever is greater). If you exceed this amount you must pay us compensation if we suffer a loss. You can learn how we calculate this compensation on our Information and Legal Notices page under the “Repaying your Mortgage early” section.

    Overpaying your mortgage may result in your mortgage being be paid off early, but the maturity date on your mortgage doesn’t change.

    Even a small overpayment can make a difference to your mortgage. Visit our Overpay Calculator to see how much you could save. Click here to apply
     
    Mortgage Self Service
     
    (You can cancel regular overpayments at any time. Overpayments made are not refundable *Subject to terms and conditions)

  • 3 Month Payment Break

    You can take a 3-month payment break up to 3 times over the life of your mortgage loan – really useful if you run into extra expenses in a year such as the birth of a child or education fees. You can now apply online
     
    Mortgage Self Service

    To be eligible for a payment break:

    • Your mortgage loan must be drawn down at least 2 years (if drawn in instalments, it must be at least 2 years since the final drawdown),
    • There must be at least 12 months between payment breaks (or 6 months must have lapsed since your COVID-19 payment break if you took one), and
    • You must have complied with all the terms and conditions of the mortgage.

    Applications are subject to approval. Available on your principal private dwelling only. Only available and annuity (standard capital and interest) repayment mortgages. Qualification criteria and terms and conditions apply.

    At the end of the payment break period your repayments will be adjusted so that your mortgage will be repaid within its original term, i.e. your ‘break’ repayments will be spread over your remaining mortgage, which means your new repayments will be higher than they were before the payment break.

    When you apply we will send you a ‘Mortgage Form of Authorisation’ with full payment break terms and conditions for you to sign and return to us.

  • Bring your rate with you

    • Moving home? You can bring your Bank of Ireland fixed rate with you to your new mortgage without penalty as long as your new mortgage is drawn down within 6 months of redeeming your old mortgage;
    • Learn more about our Home Movers Mortgage.


Account Changes

When you have a mortgage with us, from time to time, you may need to make some changes to or get information on your mortgage account.

The EcoSaver Mortgage

Find out what you need to do to get EcoSaver Mortgage and improve your interest rates and discount.


  • 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. Click here for more information on our EcoSaver Mortgage.

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

  • How to get an EcoSaver mortgage

    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 will 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 a variable interest rate 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 interest rate 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.
    • 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. If you are an existing customer, please click here to see the current rates. 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 on to a tracker interest rate in the future.

  • Improver 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 on the form under the heading “How to Improve your EcoSaver Discount.
    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). 

  • How to Improve your EcoSaver Discount

    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 above 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 in the Terms and Conditions above, in point 10.

  • Tracker customer and BER ratings
     

    If you have a Tracker product and request your rate options, the Bank needs to provide a cost comparison to you. The Cost of Credit calculation is an indicative cost comparison of your current rate versus the rate(s) being offered (and, if your loan is now on a tracker, also includes a comparison of the total cost of the loan on your current tracker versus the rate(s) being offered). The calculation is in line with Consumer Protection Code (CPC) regulation.

    In order to provide this calculation, we need a valid BER rating.

    Once the BER Cost of Credit Form is completed and returned, you’ll be issued with a Mortgage Form of Authorisation (MFA) which contains your rate options and cost of credit calculations. This MFA needs to completed and returned before any rate can be applied to your mortgage account.

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


Help & Support

Need help and support? Read our frequently asked questions to find an answer.

Visit our Help Centre

Information & Legal notices

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.

Contact us

Speak with one of our Mortgage Service Specialists. Open 9am – 5pm Monday to Friday

Call 01 611 3333