Manage my mortgage

My Mortgage Self-Service Hub

  • Request statements and certificates
  • Request a payment break
  • Make or stop overpayments
  • Change your monthly repayment date
  • Skip a repayment or stop your skip repayment
  • Explore rate options
  • Get a redemption quote
  • Change your direct debit

Mortgage Viewer

  • View your current mortgage balance
  • View your payment schedule
  • View your current rate
  • View your mortgage end date
  • View your year-to-date interest accrued
  • View available account options

Thinking of moving?

Get an idea of how much you can afford to borrow and plan your budget with our mortgage calculator.

Try our mortgage calculator



Need some flexibility with your repayments?

Flex your mortgage to suit your lifestyle. Choose from our mortgage flexi-options:

  • Skip up to two payments a year
  • Overpay your mortgage and save interest
  • Take a 3-month payment break
  • Change your repayment date
  • Change your interest rate

Qualifying criteria, terms and conditions apply.1

For more information



Could you improve your interest rate?

If you’re on an EcoSaver fixed interest rate and have recently improved your Building Energy rating (BER), you could get a better rate. If not, you may still be eligible to apply for a new rate from our range of competitive fixed and variable interest rates. Terms and conditions apply.

Please note: Your BER must improve by at least one letter, compared to your previous rating, to get a better fixed interest rate. For example, if your BER improves from C3 to B1, that will work. An improvement within a letter – for example, from C3 to C1 – will not work.


See our mortgages rates
Tell us about your better BER




Need to make changes to your mortgage details?

Whether you want to add, remove, or replace a borrower, rectify a boundary, or release a guarantor, we can direct you on the steps you need to take.

Mortgage loan changes

Need to make changes to your mortgage details?

Whether you want to add, remove, or replace a borrower, rectify a boundary, or release a guarantor, we can direct you on the steps you need to take.

Mortgage loan changes



Support for mortgage money worries

Your financial wellbeing is our priority. If you’re facing money worries due to a difficult situation or a major life event, talk to us. We’re here to help find the best solution for you.

Mortgage support



Could you release equity in your home?

Equity
Equity is the difference between the value of your property and what you owe on your mortgage loan.

Equity release
Equity release lets you borrow money using the value of your home. If your home is worth more than what you still owe on your mortgage, you may be able to take out an extra mortgage loan (called an equity release) secured against your property.

Learn more about equity release

Could you release equity in your home?

Equity
Equity is the difference between the value of your property and what you owe on your mortgage loan.

Equity release
Equity release lets you borrow money using the value of your home. If your home is worth more than what you still owe on your mortgage, you may be able to take out an extra mortgage loan (called an equity release) secured against your property.

Learn more about equity release



Want to upgrade your BER?

Plan works, estimate the costs and savings of improving your home’s energy efficiency, and view financing options.

Try our energy upgrade tool


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.

Frequently asked questions


  • What is mortgage interest relief?
    Mortgage Interest Tax Relief is a tax credit based on the amount of qualifying mortgage interest that you paid in a tax year for your primary home.

    In “Budget 2024” a temporary Mortgage Interest Tax Credit was introduced for the 2023 tax year for certain homeowners, this was extended in “Budget 2025” to the 2024 tax year.

    Who is the tax credit available to?

    The tax credit is available to taxpayers who had an outstanding mortgage balance of between €80,000 and €500,000 on their primary home on 31 December 2022.

    The credit is available for the 2023 and 2024 tax years. It is based on the increased interest the taxpayer paid in 2023 and 2024, compared to the interest they paid in 2022.

    Am I eligible to receive the tax credit?
    To qualify, you must meet certain conditions (this includes complying with your Local Property Tax obligations) and claim the credit in your tax return.

    • To claim for 2023, you will need your 2023 mortgage statement (to confirm your mortgage balance on the 31 December 2022) and your 2022 and 2023 Certificates of Interest.
    • To claim for 2024, you will need your 2023 mortgage statement (to confirm your mortgage balance on the 31 December 2022) and your 2022 and 2024 Certificates of Interest.

    You can request a Mortgage Statement or Certificate of Interest via the ‘My Mortgage Self-Service Hub‘.

    If you have any queries regarding your eligibility for mortgage interest tax relief, or how to apply, visit Revenue.ie*.

    Please note:
    If you redeemed your mortgage in 2023 or 2024, you can request your Mortgage Statement and Certificate of Interest through the form on the My Mortgage Self-Service Hub.

    If you were previously a KBC customer whose mortgage moved to us in February 2023, then we previously sent you a Mortgage Statement and Certificate of Interest covering the dates your account moved from KBC to Bank of Ireland. These show your transactions from February to December 2023. To get previous statements and/or interest certs for other dates, please fill in the form on the My Mortgage Self-Service Hub.

    *Bank of Ireland is not for responsible for information provided on third party websites.

  • Can I view my mortgage account online?
    Yes. If you have a Bank of Ireland mortgage you can register for Mortgage Viewer. Mortgage Viewer is an online service that lets you view your:

    – Current mortgage balance
    – Payment schedule
    – Current rate
    – Mortgage end date
    – Interest accrued (year-to-date)
    – Mortgage account options

  • How do I move my current variable rate mortgage to a fixed-rate mortgage?
    Go to the My Mortgage Self-Service Hub to request a new rate. Alternatively, call us on 01 611 3333 (9am to 5pm, Monday to Friday). We’ll be happy to outline the fixed-rate options available to you.

    View our rates table for more information.

  • What is the maturity date on my mortgage?
    The maturity date on your mortgage is the date by which you are due to finish paying for your mortgage.

    You can view your mortgage maturity date by registering for Mortgage Viewer.

  • How can I get the balance on my mortgage?
    Mortgage Viewer lets you easily track your mortgage details (including your balance) in one place.

  • How can I find out what rate I'm currently on?
    Mortgage Viewer lets you easily track your mortgage details (including your current rate) in one place.

  • How do I find out if there is a cost if I move from my fixed-rate mortgage?
    Call us on 01 611 3333 (9am to 5pm, Monday to Friday) and we can provide this information for you.

  • How do I get a copy of my loan offer?
    Call us on 01 611 3333 (9am to 5pm, Monday to Friday) and we can provide this for you.

  • How can I change the address on my mortgage account?
    Send your request to change your address (quoting your mortgage account number) to:

    Mortgage Accounts Administration,
    Bank of Ireland Mortgages,
    PO Box 13298,
    Dublin 18

    Please note: If you have a joint mortgage, all joint borrowers must sign the request to change our record.

  • Can I make an overpayment to my fixed-rate mortgage without paying a penalty?
    Yes. The maximum overpayment you can make on a fixed-rate mortgage is 10% of your normal monthly repayment amount 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. Terms and conditions apply.

  • How do I request/complete a new direct debit mandate?
    Go to the My Mortgage Self-Service Hub to change your direct debit details.

    If you’d prefer you can print and sign a hard copy form:

    Download SEPA Direct Debit Mandate if you have a 7-digit mortgage account.

    Download SEPA Direct Debit Mandate if you have a 8-digit mortgage account.

    Complete and return to Bank of Ireland Mortgages, PO Box 13298, Dublin 18.

  • How do I notify Bank of Ireland of changes to my life cover?
    You will need to send the original policy document (quoting your mortgage account number) to:

    Bank of Ireland Mortgages
    PO Box 13298
    Dublin 18

    The cover must be equal or greater to your current mortgage balance and up until the maturity date of your mortgage account. You need to notify your policy provider and Bank of Ireland Mortgages of any changes. A new deed of assignment will need to be filled out.


Need a helping hand?

Get support and assistance from our mortgage service specialists, 9am to 5pm, Monday
to Friday.

You can call us

Call 01 611 3333
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.

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 Tailte Éireann. 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. 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.


Information and legal notices

Legal and regulatory information for mortgages.

View information and legal notices


1 Mortgage flexi-options terms and conditions:

 

Skip payments
Skip payments subject to meeting the conditions of your mortgage. You can spread 12 months of mortgage repayments over 10 or 11 months and ‘skip’ the other one or two. We’ll increase your repayments for the rest of the year so everything still adds up. Lending criteria and terms and conditions apply.

 

Overpayments
You can cancel regular overpayments at any time. Overpayments made are not refundable. Subject to terms and conditions.

 

Payment breaks
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,
  • 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 on 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.

 

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