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 mortgage

Choose how you apply

You can talk to us about your mortgage journey online, in-branch, or over the phone.

Start application now

How 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.

Try our energy upgrade tool


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.

Learn more about borrowing and debt


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.

You can call us

Call 0818 365 345

We can call you

Request a callback

Meet a specialist

Book an appointment
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.
Warning: The cost of your monthly repayments may increase.
Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.


Information and legal notices

Legal and regulatory information for mortgages.

View information and legal notices


1 The EcoSaver fixed interest rate provides customers with discounts based on their Building Energy Rating (BER). The better the BER, the better the discount. The EcoSaver fixed rate is available to all customers, if you're new to Bank of Ireland or already have a mortgage with us. You can get the EcoSaver fixed interest rate if you are borrowing to buy a home for yourself or your family, an investment property to let, or you're switching your mortgage loan to us from another lender. You must supply a valid BER certificate to take advantage of the EcoSaver fixed rate. Available with fixed rates only. Terms and conditions apply.
2 We will give you 2% of your new mortgage back as Cashback if you top up an existing mortgage or buy an investment property. Cashback is not available with our High Value Mortgage fixed interest rate or our standard variable interest rate. Terms and conditions apply.

Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.