Last update: 18/04/2024 08:51:17
| mortgage type name | BER | Product Description | fixed or variable | Interest Rate | apr |
|---|---|---|---|---|---|
| First Time Buyer | A | 1 Year Fixed BER A | fixed | 4.3 | 4.4 |
| First Time Buyer | B | 2 Year Fixed BER B | fixed | 4.35 | 4.5 |
| Switcher | D | 5 Year Fixed BER D | fixed | 4.55 | 4.7 |
| Switcher | E | 5 Year Fixed BER E | fixed | 4.6 | 4.7 |
| Switcher | F | 5 Year Fixed BER F | fixed | 4.65 | 4.8 |
| Switcher | G | 5 Year Fixed BER G | fixed | 4.7 | 4.8 |
| Switcher | BER Exempt | 5 Year Fixed BER Exempt | fixed | 4.75 | 4.9 |
| Switcher | A | 4 Year HVM BER A | fixed | 3.6 | 4 |
| Switcher | B | 4 Year HVM BER B | fixed | 3.65 | 4 |
| Switcher | C | 4 Year HVM BER C | fixed | 3.7 | 4.1 |
| Switcher | D | 4 Year HVM BER D | fixed | 3.75 | 4.1 |
| Switcher | E | 4 Year HVM BER E | fixed | 3.8 | 4.1 |
| First Time Buyer | C | 2 Year Fixed BER C | fixed | 4.4 | 4.5 |
| Switcher | F | 4 Year HVM BER F | fixed | 3.85 | 4.1 |
| Switcher | G | 4 Year HVM BER G | fixed | 3.9 | 4.2 |
| Switcher | BER Exempt | 4 Year HVM BER Exempt | fixed | 3.95 | 4.2 |
| Switcher | A | 5 Year HVM BER A | fixed | 3.9 | 4.1 |
| Switcher | B | 5 Year HVM BER B | fixed | 3.95 | 4.2 |
| Switcher | C | 5 Year HVM BER C | fixed | 4 | 4.2 |
| Switcher | D | 5 Year HVM BER D | fixed | 4.05 | 4.2 |
| Switcher | E | 5 Year HVM BER E | fixed | 4.1 | 4.2 |
| Switcher | F | 5 Year HVM BER F | fixed | 4.15 | 4.3 |
| Switcher | G | 5 Year HVM BER G | fixed | 4.2 | 4.3 |
| First Time Buyer | D | 2 Year Fixed BER D | fixed | 4.45 | 4.6 |
| Switcher | BER Exempt | 5 Year HVM BER Exempt | fixed | 4.25 | 4.4 |
| Switcher | A | 7 Year HVM BER A | fixed | 3.95 | 4.1 |
| Switcher | B | 7 Year HVM BER B | fixed | 4 | 4.2 |
| Switcher | C | 7 Year HVM BER C | fixed | 4.05 | 4.2 |
| Switcher | D | 7 Year HVM BER D | fixed | 4.1 | 4.2 |
| Switcher | E | 7 Year HVM BER E | fixed | 4.15 | 4.3 |
| Switcher | F | 7 Year HVM BER F | fixed | 4.2 | 4.3 |
| Switcher | G | 7 Year HVM BER G | fixed | 4.25 | 4.4 |
| Switcher | BER Exempt | 7 Year HVM BER Exempt | fixed | 4.3 | 4.4 |
| Switcher | A | 10 Year Fixed BER A | fixed | 4.7 | 4.8 |
| First Time Buyer | E | 2 Year Fixed BER E | fixed | 4.5 | 4.6 |
| Switcher | B | 10 Year Fixed BER B | fixed | 4.75 | 4.9 |
| Switcher | C | 10 Year Fixed BER C | fixed | 4.8 | 4.9 |
| Switcher | D | 10 Year Fixed BER D | fixed | 4.85 | 5 |
| Switcher | E | 10 Year Fixed BER E | fixed | 4.9 | 5 |
| Switcher | F | 10 Year Fixed BER F | fixed | 4.95 | 5.1 |
| Switcher | G | 10 Year Fixed BER G | fixed | 5 | 5.1 |
| Switcher | BER Exempt | 10 Year Fixed BER Exempt | fixed | 5.05 | 5.2 |
| Switcher | A | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | B | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | C | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | F | 2 Year Fixed BER F | fixed | 4.55 | 4.7 |
| Switcher | D | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | E | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | F | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | G | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | BER Exempt | Standard Variable | variable | 4.15 | 4.3 |
| Mover | A | 1 Year Fixed BER A | fixed | 4.3 | 4.4 |
| Mover | B | 1 Year Fixed BER B | fixed | 4.35 | 4.5 |
| Mover | C | 1 Year Fixed BER C | fixed | 4.4 | 4.5 |
| Mover | D | 1 Year Fixed BER D | fixed | 4.45 | 4.6 |
| Mover | E | 1 Year Fixed BER E | fixed | 4.5 | 4.6 |
| First Time Buyer | G | 2 Year Fixed BER G | fixed | 4.6 | 4.7 |
| Mover | F | 1 Year Fixed BER F | fixed | 4.55 | 4.7 |
| Mover | G | 1 Year Fixed BER G | fixed | 4.6 | 4.7 |
| Mover | BER Exempt | 1 Year Fixed BER Exempt | fixed | 4.65 | 4.8 |
| Mover | A | 2 Year Fixed BER A | fixed | 4.3 | 4.4 |
| Mover | B | 2 Year Fixed BER B | fixed | 4.35 | 4.5 |
| Mover | C | 2 Year Fixed BER C | fixed | 4.4 | 4.5 |
| Mover | D | 2 Year Fixed BER D | fixed | 4.45 | 4.6 |
| Mover | E | 2 Year Fixed BER E | fixed | 4.5 | 4.6 |
| Mover | F | 2 Year Fixed BER F | fixed | 4.55 | 4.7 |
| Mover | G | 2 Year Fixed BER G | fixed | 4.6 | 4.7 |
| First Time Buyer | BER Exempt | 2 Year Fixed BER Exempt | fixed | 4.65 | 4.8 |
| Mover | BER Exempt | 2 Year Fixed BER Exempt | fixed | 4.65 | 4.8 |
| Mover | A | 3 Year Fixed BER A | fixed | 4.4 | 4.5 |
| Mover | B | 3 Year Fixed BER B | fixed | 4.45 | 4.6 |
| Mover | C | 3 Year Fixed BER C | fixed | 4.5 | 4.6 |
| Mover | D | 3 Year Fixed BER D | fixed | 4.55 | 4.7 |
| Mover | E | 3 Year Fixed BER E | fixed | 4.6 | 4.7 |
| Mover | F | 3 Year Fixed BER F | fixed | 4.65 | 4.8 |
| Mover | G | 3 Year Fixed BER G | fixed | 4.7 | 4.8 |
| Mover | BER Exempt | 3 Year Fixed BER Exempt | fixed | 4.75 | 4.9 |
| Mover | A | 5 Year Fixed BER A | fixed | 4.4 | 4.5 |
| First Time Buyer | A | 3 Year Fixed BER A | fixed | 4.4 | 4.5 |
| Mover | B | 5 Year Fixed BER B | fixed | 4.45 | 4.6 |
| Mover | C | 5 Year Fixed BER C | fixed | 4.5 | 4.6 |
| Mover | D | 5 Year Fixed BER D | fixed | 4.55 | 4.7 |
| Mover | E | 5 Year Fixed BER E | fixed | 4.6 | 4.7 |
| Mover | F | 5 Year Fixed BER F | fixed | 4.65 | 4.8 |
| Mover | G | 5 Year Fixed BER G | fixed | 4.7 | 4.8 |
| Mover | BER Exempt | 5 Year Fixed BER Exempt | fixed | 4.75 | 4.9 |
| Mover | A | 4 Year HVM BER A | fixed | 3.6 | 4 |
| Mover | B | 4 Year HVM BER B | fixed | 3.65 | 4 |
| Mover | C | 4 Year HVM BER C | fixed | 3.7 | 4.1 |
| First Time Buyer | B | 3 Year Fixed BER B | fixed | 4.45 | 4.6 |
| Mover | D | 4 Year HVM BER D | fixed | 3.75 | 4.1 |
| Mover | E | 4 Year HVM BER E | fixed | 3.8 | 4.1 |
| Mover | F | 4 Year HVM BER F | fixed | 3.85 | 4.1 |
| Mover | G | 4 Year HVM BER G | fixed | 3.9 | 4.2 |
| Mover | BER Exempt | 4 Year HVM BER Exempt | fixed | 3.95 | 4.2 |
| Mover | A | 5 Year HVM BER A | fixed | 3.9 | 4.1 |
| Mover | B | 5 Year HVM BER B | fixed | 3.95 | 4.2 |
| Mover | C | 5 Year HVM BER C | fixed | 4 | 4.2 |
| Mover | D | 5 Year HVM BER D | fixed | 4.05 | 4.2 |
| Mover | E | 5 Year HVM BER E | fixed | 4.1 | 4.2 |
| First Time Buyer | C | 3 Year Fixed BER C | fixed | 4.5 | 4.6 |
| Mover | F | 5 Year HVM BER F | fixed | 4.15 | 4.3 |
| Mover | G | 5 Year HVM BER G | fixed | 4.2 | 4.3 |
| Mover | BER Exempt | 5 Year HVM BER Exempt | fixed | 4.25 | 4.4 |
| Mover | A | 7 Year HVM BER A | fixed | 3.95 | 4.1 |
| Mover | B | 7 Year HVM BER B | fixed | 4 | 4.2 |
| Mover | C | 7 Year HVM BER C | fixed | 4.05 | 4.2 |
| Mover | D | 7 Year HVM BER D | fixed | 4.1 | 4.2 |
| Mover | E | 7 Year HVM BER E | fixed | 4.15 | 4.3 |
| Mover | F | 7 Year HVM BER F | fixed | 4.2 | 4.3 |
| Mover | G | 7 Year HVM BER G | fixed | 4.25 | 4.4 |
| First Time Buyer | B | 1 Year Fixed BER B | fixed | 4.35 | 4.5 |
| First Time Buyer | D | 3 Year Fixed BER D | fixed | 4.55 | 4.7 |
| Mover | BER Exempt | 7 Year HVM BER Exempt | fixed | 4.3 | 4.4 |
| Mover | A | 10 Year Fixed BER A | fixed | 4.7 | 4.8 |
| Mover | B | 10 Year Fixed BER B | fixed | 4.75 | 4.9 |
| Mover | C | 10 Year Fixed BER C | fixed | 4.8 | 4.9 |
| Mover | D | 10 Year Fixed BER D | fixed | 4.85 | 5 |
| Mover | E | 10 Year Fixed BER E | fixed | 4.9 | 5 |
| Mover | F | 10 Year Fixed BER F | fixed | 4.95 | 5.1 |
| Mover | G | 10 Year Fixed BER G | fixed | 5 | 5.1 |
| Mover | BER Exempt | 10 Year Fixed BER Exempt | fixed | 5.05 | 5.2 |
| Mover | A | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | E | 3 Year Fixed BER E | fixed | 4.6 | 4.7 |
| Mover | B | Standard Variable | variable | 4.15 | 4.3 |
| Mover | C | Standard Variable | variable | 4.15 | 4.3 |
| Mover | D | Standard Variable | variable | 4.15 | 4.3 |
| Mover | E | Standard Variable | variable | 4.15 | 4.3 |
| Mover | F | Standard Variable | variable | 4.15 | 4.3 |
| Mover | G | Standard Variable | variable | 4.15 | 4.3 |
| Mover | BER Exempt | Standard Variable | variable | 4.15 | 4.3 |
| Existing | A | 1 Year Fixed BER A | fixed | 3.8 | 4.2 |
| Existing | B | 1 Year Fixed BER B | fixed | 3.85 | 4.2 |
| Existing | C | 1 Year Fixed BER C | fixed | 3.9 | 4.2 |
| First Time Buyer | F | 3 Year Fixed BER F | fixed | 4.65 | 4.8 |
| Existing | D | 1 Year Fixed BER D | fixed | 3.95 | 4.2 |
| Existing | E | 1 Year Fixed BER E | fixed | 4 | 4.2 |
| Existing | F | 1 Year Fixed BER F | fixed | 4.05 | 4.2 |
| Existing | G | 1 Year Fixed BER G | fixed | 4.1 | 4.2 |
| Existing | BER Exempt | 1 Year Fixed BER Exempt | fixed | 4.15 | 4.3 |
| Existing | No BER | 1 Year Fixed No BER | fixed | 4.15 | 4.3 |
| Existing | A | 2 Year Fixed BER A | fixed | 3.8 | 4.2 |
| Existing | B | 2 Year Fixed BER B | fixed | 3.85 | 4.2 |
| Existing | C | 2 Year Fixed BER C | fixed | 3.9 | 4.2 |
| Existing | D | 2 Year Fixed BER D | fixed | 3.95 | 4.2 |
| First Time Buyer | G | 3 Year Fixed BER G | fixed | 4.7 | 4.8 |
| Existing | E | 2 Year Fixed BER E | fixed | 4 | 4.2 |
| Existing | F | 2 Year Fixed BER F | fixed | 4.05 | 4.2 |
| Existing | G | 2 Year Fixed BER G | fixed | 4.1 | 4.2 |
| Existing | BER Exempt | 2 Year Fixed BER Exempt | fixed | 4.15 | 4.3 |
| Existing | No BER | 2 Year Fixed No BER | fixed | 4.15 | 4.3 |
| Existing | A | 3 Year Fixed BER A | fixed | 3.9 | 4.2 |
| Existing | B | 3 Year Fixed BER B | fixed | 3.95 | 4.2 |
| Existing | C | 3 Year Fixed BER C | fixed | 4 | 4.2 |
| Existing | D | 3 Year Fixed BER D | fixed | 4.05 | 4.2 |
| Existing | E | 3 Year Fixed BER E | fixed | 4.1 | 4.2 |
| First Time Buyer | BER Exempt | 3 Year Fixed BER Exempt | fixed | 4.75 | 4.9 |
| Existing | F | 3 Year Fixed BER F | fixed | 4.15 | 4.3 |
| Existing | G | 3 Year Fixed BER G | fixed | 4.2 | 4.3 |
| Existing | BER Exempt | 3 Year Fixed BER Exempt | fixed | 4.25 | 4.4 |
| Existing | No BER | 3 Year Fixed No BER | fixed | 4.25 | 4.4 |
| Existing | A | 5 Year Fixed BER A | fixed | 3.9 | 4.1 |
| Existing | B | 5 Year Fixed BER B | fixed | 3.95 | 4.2 |
| Existing | C | 5 Year Fixed BER C | fixed | 4 | 4.2 |
| Existing | D | 5 Year Fixed BER D | fixed | 4.05 | 4.2 |
| Existing | E | 5 Year Fixed BER E | fixed | 4.1 | 4.2 |
| Existing | F | 5 Year Fixed BER F | fixed | 4.15 | 4.3 |
| First Time Buyer | A | 5 Year Fixed BER A | fixed | 4.4 | 4.5 |
| Existing | G | 5 Year Fixed BER G | fixed | 4.2 | 4.3 |
| Existing | BER Exempt | 5 Year Fixed BER Exempt | fixed | 4.25 | 4.4 |
| Existing | No BER | 5 Year Fixed No BER | fixed | 4.25 | 4.4 |
| Existing | A | 10 Year Fixed BER A | fixed | 4.2 | 4.3 |
| Existing | B | 10 Year Fixed BER B | fixed | 4.25 | 4.4 |
| Existing | C | 10 Year Fixed BER C | fixed | 4.3 | 4.4 |
| Existing | D | 10 Year Fixed BER D | fixed | 4.35 | 4.5 |
| Existing | E | 10 Year Fixed BER E | fixed | 4.4 | 4.5 |
| Existing | F | 10 Year Fixed BER F | fixed | 4.45 | 4.6 |
| Existing | G | 10 Year Fixed BER G | fixed | 4.5 | 4.6 |
| First Time Buyer | B | 5 Year Fixed BER B | fixed | 4.45 | 4.6 |
| Existing | BER Exempt | 10 Year Fixed BER Exempt | fixed | 4.55 | 4.7 |
| Existing | No BER | 10 Year Fixed No BER | fixed | 4.55 | 4.7 |
| Existing | A | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | B | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | C | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | D | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | E | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | F | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | G | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | BER Exempt | Standard Variable Rate | variable | 4.15 | 4.3 |
| First Time Buyer | C | 5 Year Fixed BER C | fixed | 4.5 | 4.6 |
| Existing | No BER | Standard Variable Rate | variable | 4.15 | 4.3 |
| Investor - New | A | BTL 2 Year Fixed BER A | fixed | 6.15 | 6.5 |
| Investor - New | B | BTL 2 Year Fixed BER B | fixed | 6.2 | 6.6 |
| Investor - New | C | BTL 2 Year Fixed BER C | fixed | 6.25 | 6.6 |
| Investor - New | D | BTL 2 Year Fixed BER D | fixed | 6.3 | 6.7 |
| Investor - New | E | BTL 2 Year Fixed BER E | fixed | 6.35 | 6.7 |
| Investor - New | F | BTL 2 Year Fixed BER F | fixed | 6.4 | 6.8 |
| Investor - New | G | BTL 2 Year Fixed BER G | fixed | 6.45 | 6.8 |
| Investor - New | BER Exempt | BTL 2 Year Fixed BER Exempt | fixed | 6.5 | 6.9 |
| Investor - New | A | BTL 5 Year Fixed BER A | fixed | 6.3 | 6.7 |
| First Time Buyer | D | 5 Year Fixed BER D | fixed | 4.55 | 4.7 |
| Investor - New | B | BTL 5 Year Fixed BER B | fixed | 6.35 | 6.7 |
| Investor - New | C | BTL 5 Year Fixed BER C | fixed | 6.4 | 6.8 |
| Investor - New | D | BTL 5 Year Fixed BER D | fixed | 6.45 | 6.8 |
| Investor - New | E | BTL 5 Year Fixed BER E | fixed | 6.5 | 6.9 |
| Investor - New | F | BTL 5 Year Fixed BER F | fixed | 6.55 | 6.9 |
| Investor - New | G | BTL 5 Year Fixed BER G | fixed | 6.6 | 7 |
| Investor - New | BER Exempt | BTL 5 Year Fixed BER Exempt | fixed | 6.65 | 7 |
| Investor - New | A | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | B | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | C | Standard Variable Rate | variable | 4.85 | 5.1 |
| First Time Buyer | E | 5 Year Fixed BER E | fixed | 4.6 | 4.7 |
| Investor - New | D | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | E | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | F | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | G | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | BER Exempt | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | A | BTL 2 Year Fixed BER A | fixed | 5.65 | 6 |
| Investor - Existing | B | BTL 2 Year Fixed BER B | fixed | 5.7 | 6 |
| Investor - Existing | C | BTL 2 Year Fixed BER C | fixed | 5.75 | 6.1 |
| Investor - Existing | D | BTL 2 Year Fixed BER D | fixed | 5.8 | 6.1 |
| Investor - Existing | E | BTL 2 Year Fixed BER E | fixed | 5.85 | 6.2 |
| First Time Buyer | C | 1 Year Fixed BER C | fixed | 4.4 | 4.5 |
| First Time Buyer | F | 5 Year Fixed BER F | fixed | 4.65 | 4.8 |
| Investor - Existing | F | BTL 2 Year Fixed BER F | fixed | 5.9 | 6.3 |
| Investor - Existing | G | BTL 2 Year Fixed BER G | fixed | 5.95 | 6.3 |
| Investor - Existing | BER Exempt | BTL 2 Year Fixed BER Exempt | fixed | 6 | 6.4 |
| Investor - Existing | No BER | BTL 2 Year Fixed No BER | fixed | 6 | 6.4 |
| Investor - Existing | A | BTL 5 Year Fixed BER A | fixed | 5.8 | 6.1 |
| Investor - Existing | B | BTL 5 Year Fixed BER B | fixed | 5.85 | 6.2 |
| Investor - Existing | C | BTL 5 Year Fixed BER C | fixed | 5.9 | 6.3 |
| Investor - Existing | D | BTL 5 Year Fixed BER D | fixed | 5.95 | 6.3 |
| Investor - Existing | E | BTL 5 Year Fixed BER E | fixed | 6 | 6.4 |
| Investor - Existing | F | BTL 5 Year Fixed BER F | fixed | 6.05 | 6.4 |
| First Time Buyer | G | 5 Year Fixed BER G | fixed | 4.7 | 4.8 |
| Investor - Existing | G | BTL 5 Year Fixed BER G | fixed | 6.1 | 6.5 |
| Investor - Existing | BER Exempt | BTL 5 Year Fixed BER Exempt | fixed | 6.15 | 6.5 |
| Investor - Existing | No BER | BTL 5 Year Fixed No BER | fixed | 6.15 | 6.5 |
| Investor - Existing | A | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | B | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | C | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | D | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | E | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | F | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | G | Standard Variable Rate | variable | 4.85 | 5.1 |
| First Time Buyer | BER Exempt | 5 Year Fixed BER Exempt | fixed | 4.75 | 4.9 |
| Investor - Existing | BER Exempt | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | No BER | Standard Variable Rate | variable | 4.85 | 5.1 |
| First Time Buyer | A | 4 Year HVM BER A | fixed | 3.6 | 4 |
| First Time Buyer | B | 4 Year HVM BER B | fixed | 3.65 | 4 |
| First Time Buyer | C | 4 Year HVM BER C | fixed | 3.7 | 4.1 |
| First Time Buyer | D | 4 Year HVM BER D | fixed | 3.75 | 4.1 |
| First Time Buyer | E | 4 Year HVM BER E | fixed | 3.8 | 4.1 |
| First Time Buyer | F | 4 Year HVM BER F | fixed | 3.85 | 4.1 |
| First Time Buyer | G | 4 Year HVM BER G | fixed | 3.9 | 4.2 |
| First Time Buyer | D | 1 Year Fixed BER D | fixed | 4.45 | 4.6 |
| First Time Buyer | BER Exempt | 4 Year HVM BER Exempt | fixed | 3.95 | 4.2 |
| First Time Buyer | A | 5 Year HVM BER A | fixed | 3.9 | 4.1 |
| First Time Buyer | B | 5 Year HVM BER B | fixed | 3.95 | 4.2 |
| First Time Buyer | C | 5 Year HVM BER C | fixed | 4 | 4.2 |
| First Time Buyer | D | 5 Year HVM BER D | fixed | 4.05 | 4.2 |
| First Time Buyer | E | 5 Year HVM BER E | fixed | 4.1 | 4.2 |
| First Time Buyer | F | 5 Year HVM BER F | fixed | 4.15 | 4.3 |
| First Time Buyer | G | 5 Year HVM BER G | fixed | 4.2 | 4.3 |
| First Time Buyer | BER Exempt | 5 Year HVM BER Exempt | fixed | 4.25 | 4.4 |
| First Time Buyer | A | 7 Year HVM BER A | fixed | 3.95 | 4.1 |
| First Time Buyer | E | 1 Year Fixed BER E | fixed | 4.5 | 4.6 |
| First Time Buyer | B | 7 Year HVM BER B | fixed | 4 | 4.2 |
| First Time Buyer | C | 7 Year HVM BER C | fixed | 4.05 | 4.2 |
| First Time Buyer | D | 7 Year HVM BER D | fixed | 4.1 | 4.2 |
| First Time Buyer | E | 7 Year HVM BER E | fixed | 4.15 | 4.3 |
| First Time Buyer | F | 7 Year HVM BER F | fixed | 4.2 | 4.3 |
| First Time Buyer | G | 7 Year HVM BER G | fixed | 4.25 | 4.4 |
| First Time Buyer | BER Exempt | 7 Year HVM BER Exempt | fixed | 4.3 | 4.4 |
| First Time Buyer | A | 10 Year Fixed BER A | fixed | 4.7 | 4.8 |
| First Time Buyer | B | 10 Year Fixed BER B | fixed | 4.75 | 4.9 |
| First Time Buyer | C | 10 Year Fixed BER C | fixed | 4.8 | 4.9 |
| First Time Buyer | F | 1 Year Fixed BER F | fixed | 4.55 | 4.7 |
| First Time Buyer | D | 10 Year Fixed BER D | fixed | 4.85 | 5 |
| First Time Buyer | E | 10 Year Fixed BER E | fixed | 4.9 | 5 |
| First Time Buyer | F | 10 Year Fixed BER F | fixed | 4.95 | 5.1 |
| First Time Buyer | G | 10 Year Fixed BER G | fixed | 5 | 5.1 |
| First Time Buyer | BER Exempt | 10 Year Fixed BER Exempt | fixed | 5.05 | 5.2 |
| First Time Buyer | A | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | B | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | C | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | D | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | E | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | G | 1 Year Fixed BER G | fixed | 4.6 | 4.7 |
| First Time Buyer | F | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | G | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | BER Exempt | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | A | 1 Year Fixed BER A | fixed | 4.3 | 4.4 |
| Switcher | B | 1 Year Fixed BER B | fixed | 4.35 | 4.5 |
| Switcher | C | 1 Year Fixed BER C | fixed | 4.4 | 4.5 |
| Switcher | D | 1 Year Fixed BER D | fixed | 4.45 | 4.6 |
| Switcher | E | 1 Year Fixed BER E | fixed | 4.5 | 4.6 |
| Switcher | F | 1 Year Fixed BER F | fixed | 4.55 | 4.7 |
| Switcher | G | 1 Year Fixed BER G | fixed | 4.6 | 4.7 |
| First Time Buyer | BER Exempt | 1 Year Fixed BER Exempt | fixed | 4.65 | 4.8 |
| Switcher | BER Exempt | 1 Year Fixed BER Exempt | fixed | 4.65 | 4.8 |
| Switcher | A | 2 Year Fixed BER A | fixed | 4.3 | 4.4 |
| Switcher | B | 2 Year Fixed BER B | fixed | 4.35 | 4.5 |
| Switcher | C | 2 Year Fixed BER C | fixed | 4.4 | 4.5 |
| Switcher | D | 2 Year Fixed BER D | fixed | 4.45 | 4.6 |
| Switcher | E | 2 Year Fixed BER E | fixed | 4.5 | 4.6 |
| Switcher | F | 2 Year Fixed BER F | fixed | 4.55 | 4.7 |
| Switcher | G | 2 Year Fixed BER G | fixed | 4.6 | 4.7 |
| Switcher | BER Exempt | 2 Year Fixed BER Exempt | fixed | 4.65 | 4.8 |
| Switcher | A | 3 Year Fixed BER A | fixed | 4.4 | 4.5 |
| First Time Buyer | A | 2 Year Fixed BER A | fixed | 4.3 | 4.4 |
| Switcher | B | 3 Year Fixed BER B | fixed | 4.45 | 4.6 |
| Switcher | C | 3 Year Fixed BER C | fixed | 4.5 | 4.6 |
| Switcher | D | 3 Year Fixed BER D | fixed | 4.55 | 4.7 |
| Switcher | E | 3 Year Fixed BER E | fixed | 4.6 | 4.7 |
| Switcher | F | 3 Year Fixed BER F | fixed | 4.65 | 4.8 |
| Switcher | G | 3 Year Fixed BER G | fixed | 4.7 | 4.8 |
| Switcher | BER Exempt | 3 Year Fixed BER Exempt | fixed | 4.75 | 4.9 |
| Switcher | A | 5 Year Fixed BER A | fixed | 4.4 | 4.5 |
| Switcher | B | 5 Year Fixed BER B | fixed | 4.45 | 4.6 |
| Switcher | C | 5 Year Fixed BER C | fixed | 4.5 | 4.6 |
*The Rates detailed in the above table are only available to you if you have an existing Bank of Ireland Mortgage account and wish to Fix your Mortgage Rate.
Go to the ‘Mover’ tab for the rates that are available to you if you are moving property or looking to apply for an Equity Release.
Go to the ‘Mover’ tab for the rates that are available to you if you are moving property or looking to apply for an Equity Release.
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.
Change your Mortgage Rate
EcoSaver Mortgage Fixed Interest Rate
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.
* HVM is our High Value Mortgage Fixed Interest Rates
The High Value Mortgage fixed interest rates are a 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, AND you draw down your new mortgage loan by 31 December 2024. Click here for full details and terms and conditions.
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.
BER = Building Energy Rating. APRC = Annual Percentage rate of Charge. BTL = Buy To Let
Owner Occupier rates
Owner Occupier rates are effective from 18 April 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 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.
Investor (Buy to Let) rates
Buy to Let new business rates are effective from the 18 April 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 Mortgages. 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 Banks 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.
Warning: If you do not keep up your repayments you may lose your home.
Warning: The cost of your monthly repayments may increase.
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.
