Buying your home doesn't need to be stressful

Thinking about Buying

A good first step is talking to a Bank of Ireland mortgage advisor. You can do this over the phone, in one of our 250 branches or one of our mobile mortgage managers can come to you. It is good to talk and we want to talk to you.

Getting Mortgage Ready

Planning is everything. Plan to save, plan to repay, plan to buy. If you already have a deposit saved then talk to us today.  If you are getting mortgage ready then perhaps attend one of our mortgage events or read our hints and tips.

Applying for a Mortgage

Applying for a mortgage from Bank of Ireland could move you even closer to your new home. If you're a first-time buyer, we'll pay you an unlimited 2% of your mortgage back as cash.* How about that for a house-warmer?

Making the Offer

Once you have Bank of Ireland full approval for a mortgage amount you can search for your new home, confident that the finance is in place.  That is real approval you can act on.  Then, when you find the one, the decision is yours.

Moving In

The bid has been accepted, the paperwork is complete and time off has been arranged. It is time to move in and make the home your home.  Leave the bank transfer to us and concentrate on all the other logistics. Try to enjoy the day, savour the moment and congratulate yourself. You have just arrived……. home.

First Time Buyer rates

If you are a first time buyer you can opt for a variable rate, a fixed rate or a twin rate which is a mix of both fixed and variable.  For more information on rates please see our Rates Masterclass.

LTV – Loan to Value               APR – Annual Percentage Rate

Product: LTV
Interest Rate
APR
Variable (LTV <=60%)
3.90%
4.0%
Variable (LTV 61% - 80%)
4.20%
4.3%
Variable (LTV >80%)
4.50%
4.6%
1 Year Fixed LTV <=60%
3.60%
3.9%
1 Year Fixed LTV 61%-80%
3.60%
4.2%
1 Year Fixed LTV >80%
3.70%
4.5%
2 Year Fixed LTV <=60%
3.60%
3.9%
2 Year Fixed LTV 61%-80%
3.60%
4.1%
2 Year Fixed LTV >80%
3.75%
4.4%
3 Year Fixed LTV <=60%
3.60%
3.9%
3 Year Fixed LTV 61%-80%
3.60%
4.1%
3 Year Fixed LTV >80%
3.80%
4.4%
5 Year Fixed LTV <=60%
3.80%
3.9%
5 Year Fixed LTV 61%-80%
3.80%
4.1%
5 Year Fixed LTV >80%
3.95%
4.3%
10 Year Fixed LTV <=60%
4.20%
4.2%
10 Year Fixed LTV 61%-80%
4.20%
4.3%
10 Year Fixed LTV >80%
4.40%
4.5%

New Business Rates are effective from 2nd June 2015 and are subject to change. These rates are provided for information only.

At the end of the fixed rate period, existing customers on a fixed rate can choose from our range of fixed rate options or roll to the prevailing New Business Variable rates. Existing customers on a variable rate can choose from our range of fixed rates.

To avail of any of our lower fixed rate options a full property valuation report will need to be provided.

NOTES: Typical APR calculations are based on the cost per month on a €100,000 mortgage over 20 years.  A typical variable rate mortgage of €100,000 over 20 years costs €623.20 per month (Annual Percentage Rate (APR) 4.4%). The cost of your monthly repayments may increase. A 1% interest rate rise will increase this repayment to €677.55 (APR 5.4%). This is an increase of €54.35 per month. Information correct as at 2nd June 2015.

LTV - Loan to Value        APR - Annual Percentage Rate        BTL - Buy To Let 

               

*Cashback offer available on all Bank of Ireland Mortgage Bank customers who drawdown between 3rd June 2015 and 31st December 2015. The Bank may seek refund of the payment, if the mortgage is paid back within 5 years. Not applicable with any other offer. Lending criteria, terms and conditions apply. Security and insurance required.

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