Buying to let
Why choose us for a mortgage?
Competitive rates
Our competitive interest options include variable rates and fixed rates up to 10 years. View our rates table to help decide your rate.
Better BER, better fixed rate
Enjoy an Ecosaver fixed interest rate linked to your Building Energy Rating (BER). The better your BER, the better your fixed interest rate. Terms and conditions apply.1
Cashback offer
With Cashback, you can get up to 2% of your drawdown back in cash on qualifying fixed rates. Terms and conditions apply.2
Expert guidance
Our dedicated mortgage team are here to help make the process as seamless as possible.
Flexible repayments
Control your mortgage repayments to suit your lifestyle with our mortgage flexi-options. Terms and conditions apply.
What buy-to-let mortgage options do Bank of Ireland offer?
We offer two buy-to-let mortgage options for your rental property:
- You repay interest and capital throughout the term of the loan
- You repay interest only up to 5 years
Please note:
Interest-only options revert to a standard repayment mortgage at the end of the interest-only period. Terms of up to 30 years are available for buy-to-let mortgages. Interest-only limits can vary. Eligibility criteria, terms and conditions apply.
Our mortgage guide for buy-to-let customers
What makes us different?
Manage your mortgage
We have two dedicated mortgage portals; one designed to help you view your mortgage details and the other to allow you make changes to your existing mortgage.
Manage my mortgageChoose how you apply
You can talk to us about your mortgage journey online, in-branch, or over the phone.
Start application nowHow much can you borrow?
Buy-to-let customers can generally borrow up to 3.5 times your gross annual income (or combined income for joint applicants) and up to 70% of the property’s value. These limits can vary depending on your circumstances, so it’s best to talk to us about your options.
Property price | €250,000 |
Mortgage amount 70% of €250,000 | €175,000 |
Deposit required 30% of €250,000 | €75,000 |
The lender is Bank of Ireland Mortgage Bank u.c. or Bank of Ireland. 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 bank’s 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. 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. The mortgage will be subject to assessment of suitability and affordability. APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years.
Mortgage-related products

Mortgage protection
Helps towards repaying your mortgage if you pass away or are diagnosed with a covered serious illness (if you choose this benefit). Giving peace of mind to you and your family.

Home insurance
Safeguard your home and personal belongings from fire, flood, or theft with comprehensive insurance. Home insurance gives you peace of mind that your property and belongings are fully protected.
Want to upgrade your BER?
Plan works, estimate the costs and savings of improving your property’s energy efficiency, and view financing options.
Frequently asked questions
Being mindful about borrowing
Your financial wellbeing is our priority. Discover more about the relationship between borrowing and debt to make informed decisions about your mortgage and future.
Need a helping hand?
Get support and assistance from our mortgage specialists, 9am to 5pm, Monday to Friday.
Choose your preferred way to talk to us.
Information and legal notices
Legal and regulatory information for mortgages.
Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.