Mortgage Rate Options

View our competitive rates, calculate if you could save on a fixed rate and change your interest rate.

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Mortgage Rates

Last update: 27/10/2023 09:48:58

mortgage type name	ltv rule	product ltv description	fixed or variable	interest rate percentage	apr
First Time Buyer	<=60%	1 Year Fixed LTV <=60%	fixed	4.65	4.8
First Time Buyer	61%-80%	1 Year Fixed LTV 61%-80%	fixed	4.65	4.8
First Time Buyer	>80%	1 Year Fixed LTV >80%	fixed	4.65	4.9
First Time Buyer	<=60%	2 Year Fixed LTV <=60%	fixed	4.65	4.8
First Time Buyer	61%-80%	2 Year Fixed LTV 61%-80%	fixed	4.65	4.8
First Time Buyer	>80%	2 Year Fixed LTV >80%	fixed	4.65	4.9
First Time Buyer	<=60%	3 Year Fixed LTV <=60%	fixed	4.75	4.9
First Time Buyer	61%-80%	3 Year Fixed LTV 61%-80%	fixed	4.75	4.9
First Time Buyer	>80%	3 Year Fixed LTV >80%	fixed	4.75	4.9
First Time Buyer	<=60%	5 Year Fixed LTV <=60%	fixed	4.75	4.9
First Time Buyer	61%-80%	5 Year Fixed LTV 61%-80%	fixed	4.75	4.9
First Time Buyer	>80%	5 Year Fixed LTV >80%	fixed	4.75	4.9
First Time Buyer	<=60%	4 Year Fixed HVM* LTV <=60%	fixed	3.95	4.2
First Time Buyer	61%-80%	4 Year Fixed HVM* LTV 61%-80%	fixed	3.95	4.4
First Time Buyer	>80%	4 Year Fixed HVM* LTV >80%	fixed	3.95	4.5
First Time Buyer	<=60%	5 Year Fixed HVM* LTV <=60%	fixed	4.25	4.4
First Time Buyer	61%-80%	5 Year Fixed HVM* LTV 61%-80%	fixed	4.25	4.5
First Time Buyer	>80%	5 Year Fixed HVM* LTV >80%	fixed	4.25	4.6
First Time Buyer	<=60%	7 Year Fixed HVM* LTV <=60%	fixed	4.3	4.4
First Time Buyer	61%-80%	7 Year Fixed HVM* LTV 61%-80%	fixed	4.3	4.5
First Time Buyer	>80%	7 Year Fixed HVM* LTV >80%	fixed	4.3	4.6
First Time Buyer	<=60%	10 Year Fixed LTV <=60%	fixed	5.05	5.2
First Time Buyer	61%-80%	10 Year Fixed LTV 61%-80%	fixed	5.05	5.2
First Time Buyer	>80%	10 Year Fixed LTV >80%	fixed	5.25	5.4
First Time Buyer	<=60%	Variable LTV <=60%	variable	4.15	4.3
First Time Buyer	61%-80%	Variable LTV 61%-80%	variable	4.45	4.6
First Time Buyer	>80%	Variable LTV >80%	variable	4.75	4.9
Mover	<=60%	1 Year Fixed LTV <=60%	fixed	4.65	4.8
Mover	61%-80%	1 Year Fixed LTV 61%-80%	fixed	4.65	4.8
Mover	>80%	1 Year Fixed LTV >80%	fixed	4.65	4.9
Mover	<=60%	2 Year Fixed LTV <=60%	fixed	4.65	4.8
Mover	61%-80%	2 Year Fixed LTV 61%-80%	fixed	4.65	4.8
Mover	>80%	2 Year Fixed LTV >80%	fixed	4.65	4.9
Mover	<=60%	3 Year Fixed LTV <=60%	fixed	4.75	4.9
Mover	61%-80%	3 Year Fixed LTV 61%-80%	fixed	4.75	4.9
Mover	>80%	3 Year Fixed LTV >80%	fixed	4.75	4.9
Mover	<=60%	5 Year Fixed LTV <=60%	fixed	4.75	4.9
Mover	61%-80%	5 Year Fixed LTV 61%-80%	fixed	4.75	4.9
Mover	>80%	5 Year Fixed LTV >80%	fixed	4.75	4.9
Mover	<=60%	4 Year Fixed HVM* LTV <=60%	fixed	3.95	4.2
Mover	61%-80%	4 Year Fixed HVM* LTV 61%-80%	fixed	3.95	4.4
Mover	>80%	4 Year Fixed HVM* LTV >80%	fixed	3.95	4.5
Mover	<=60%	5 Year Fixed HVM* LTV <=60%	fixed	4.25	4.4
Mover	61%-80%	5 Year Fixed HVM* LTV 61%-80%	fixed	4.25	4.5
Mover	>80%	5 Year Fixed HVM* LTV >80%	fixed	4.25	4.6
Mover	<=60%	7 Year Fixed HVM* LTV <=60%	fixed	4.3	4.4
Mover	61%-80%	7 Year Fixed HVM* LTV 61%-80%	fixed	4.3	4.5
Mover	>80%	7 Year Fixed HVM* LTV >80%	fixed	4.3	4.6
Mover	<=60%	10 Year Fixed LTV <=60%	fixed	5.05	5.2
Mover	61%-80%	10 Year Fixed LTV 61%-80%	fixed	5.05	5.2
Mover	>80%	10 Year Fixed LTV >80%	fixed	5.25	5.4
Mover	<=60%	Variable LTV <=60%	variable	4.15	4.3
Mover	61%-80%	Variable LTV 61%-80%	variable	4.45	4.6
Mover	>80%	Variable LTV >80%	variable	4.75	4.9
Investor - New	<50%	2 Year Fixed LTV <50%	fixed	6.5	6.9
Investor - New	50% - 75%	2 Year Fixed LTV 50% - 75%	fixed	6.74	7.1
Investor - New	<50%	5 Year Fixed LTV <50%	fixed	6.65	7
Investor - New	50% - 75%	5 Year Fixed LTV 50% - 75%	fixed	6.85	7.3
Investor - New	<50%	Variable LTV <50%	variable	4.85	5.1
Investor - New	50% - 75%	Variable LTV 50% - 75%	variable	5.05	5.4
Investor - New		Roll to Variable	roll to variable	5.05	5.1
Switcher	<=60%	1 Year Fixed LTV <=60%	fixed	4.65	4.8
Switcher	61%-80%	1 Year Fixed LTV 61%-80%	fixed	4.65	4.8
Switcher	>80%	1 Year Fixed LTV >80%	fixed	4.65	4.9
Switcher	<=60%	2 Year Fixed LTV <=60%	fixed	4.65	4.8
Switcher	61%-80%	2 Year Fixed LTV 61%-80%	fixed	4.65	4.8
Switcher	>80%	2 Year Fixed LTV >80%	fixed	4.65	4.9
Switcher	<=60%	3 Year Fixed LTV <=60%	fixed	4.75	4.9
Switcher	61%-80%	3 Year Fixed LTV 61%-80%	fixed	4.75	4.9
Switcher	>80%	3 Year Fixed LTV >80%	fixed	4.75	4.9
Switcher	<=60%	5 Year Fixed LTV <=60%	fixed	4.75	4.9
Switcher	61%-80%	5 Year Fixed LTV 61%-80%	fixed	4.75	4.9
Switcher	>80%	5 Year Fixed LTV >80%	fixed	4.75	4.9
Switcher	<=60%	4 Year Fixed HVM* LTV <=60%	fixed	3.95	4.2
Switcher	61%-80%	4 Year Fixed HVM* LTV 61%-80%	fixed	3.95	4.4
Switcher	>80%	4 Year Fixed HVM* LTV >80%	fixed	3.95	4.5
Switcher	<=60%	5 Year Fixed HVM* LTV <=60%	fixed	4.25	4.4
Switcher	61%-80%	5 Year Fixed HVM* LTV 61%-80%	fixed	4.25	4.5
Switcher	>80%	5 Year Fixed HVM* LTV >80%	fixed	4.25	4.6
Switcher	<=60%	7 Year Fixed HVM* LTV <=60%	fixed	4.3	4.4
Switcher	61%-80%	7 Year Fixed HVM* LTV 61%-80%	fixed	4.3	4.5
Switcher	>80%	7 Year Fixed HVM* LTV >80%	fixed	4.3	4.6
Switcher	<=60%	10 Year Fixed LTV <=60%	fixed	5.05	5.2
Switcher	61%-80%	10 Year Fixed LTV 61%-80%	fixed	5.05	5.2
Switcher	>80%	10 Year Fixed LTV >80%	fixed	5.25	5.4
Switcher	<=60%	Variable LTV <=60%	variable	4.15	4.3
Switcher	61%-80%	Variable LTV 61%-80%	variable	4.45	4.6
Switcher	>80%	Variable LTV >80%	variable	4.75	4.9
Existing	<=60%	1 Year Fixed LTV <=60%	fixed	4.15	4.3
Existing	61%-80%	1 Year Fixed LTV 61%-80%	fixed	4.15	4.5
Existing	>80%	1 Year Fixed LTV >80%	fixed	4.15	4.8
Existing	<=60%	2 Year Fixed LTV <=60%	fixed	4.15	4.3
Existing	61%-80%	2 Year Fixed LTV 61%-80%	fixed	4.15	4.5
Existing	>80%	2 Year Fixed LTV >80%	fixed	4.15	4.7
Existing	<=60%	3 Year Fixed LTV <=60%	fixed	4.25	4.4
Existing	61%-80%	3 Year Fixed LTV 61%-80%	fixed	4.25	4.5
Existing	>80%	3 Year Fixed LTV >80%	fixed	4.25	4.7
Existing	<=60%	5 Year Fixed LTV <=60%	fixed	4.25	4.4
Existing	61%-80%	5 Year Fixed LTV 61%-80%	fixed	4.25	4.5
Existing	>80%	5 Year Fixed LTV >80%	fixed	4.25	4.6
Existing	<=60%	10 Year Fixed LTV <=60%	fixed	4.55	4.7
Existing	61%-80%	10 Year Fixed LTV 61%-80%	fixed	4.55	4.7
Existing	>80%	10 Year Fixed LTV >80%	fixed	4.75	4.9
Existing	<=60%	Variable LTV <=60%	variable	4.15	4.3
Existing	61%-80%	Variable LTV 61%-80%	variable	4.45	4.6
Existing	>80%	Variable LTV >80%	variable	4.75	4.9
Investor - Existing	<50%	2 Year Fixed LTV <50%	fixed	6	6.4
Investor - Existing	50% - 75%	2 Year Fixed LTV 50% - 75%	fixed	6.24	6.6
Investor - Existing	<50%	5 Year Fixed LTV <50%	fixed	6.15	6.5
Investor - Existing	50% - 75%	5 Year Fixed LTV 50% - 75%	fixed	6.35	6.7
Investor - Existing		Roll to Variable	roll to variable	5.05	5.1

*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.

LTV
LTV stands for loan to value. This is the ratio between the amount you borrow and value of the property or the purchase price, whichever is lower. For example, if a property value is €200,000 and the loan is €150,000 then the LTV is 75%.

APRC
APRC means annual percentage rate of charge.

Equity Release

Variable Rate Policy Statement.

Learn more about fixed and variable mortgage interest rates
We offer a wide range of fixed and variable rate products for both new and existing customers. You can even choose both – a twin interest rate – where you put a percentage of your mortgage on a fixed rate and the rest on a variable rate.
Our fixed rate mortgages are available for periods of 1, 2, 3, 5 and 10 years.
Fixed interest rates
If you choose a fixed interest rate:
- You can choose to fix your mortgage repayments for 1, 2, 3, 5 or 10 year periods.
- Your monthly repayments remain the same for the fixed rate period, making budgeting easier
- You can overpay up to 10% of your repayment each month
- Existing customers can bring their fixed rate with them to a new Bank of Ireland mortgage if they move during the fixed period
- During the fixed rate period, you may be liable for fixed rate compensation fees if you:
Variable interest rates
If you choose a variable interest rate:
- You have the flexibility to make lump sum repayments, increase your repayments or make early repayments
- You can switch to a fixed rate at any time
- Your monthly repayments could rise or fall over the life of your mortgage.

Mortgage rate comparison calculator for existing customers

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Current monthly repayments {{(field_62 > 0) ? (field_62|currency:"€":0) : '' }} {{(field_16 > 0) ? (field_16|currency:"€":0) : '' }} {{(field_18 > 0) ? (field_18|currency:"€":0) : '' }} {{(field_20 > 0) ? (field_20|currency:"€":0) : '' }} {{(field_23 > 0) ? (field_23|currency:"€":0) : '' }} {{(field_25 > 0) ? (field_25|currency:"€":0) : '' }} {{(field_27 > 0) ? (field_27|currency:"€":0) : '' }}
New monthly repayments {{(field_63 > 0) ? (field_63|currency:"€":0) : '' }} {{(field_17 > 0) ? (field_17|currency:"€":0) : '' }} {{(field_19 > 0) ? (field_19|currency:"€":0) : '' }} {{(field_22 > 0) ? (field_22|currency:"€":0) : '' }} {{(field_24 > 0) ? (field_24|currency:"€":0) : '' }} {{(field_26 > 0) ? (field_26|currency:"€":0) : '' }} {{(field_28 > 0) ? (field_28|currency:"€":0) : '' }}
Estimated differential per month
{{(field_62 > 0 && field_63 > 0) ? (field_65|currency:"€":0) : '' }} {{(field_16 > 0 && field_17 > 0) ? (field_29|currency:"€":0) : '' }} {{(field_18 > 0 && field_19 > 0) ? (field_30|currency:"€":0) : '' }} {{(field_20 > 0 && field_22 > 0) ? (field_31|currency:"€":0) : '' }} {{(field_23 > 0 && field_24 > 0) ? (field_32|currency:"€":0) : '' }} {{(field_25 > 0 && field_26 > 0) ? (field_33|currency:"€":0) : '' }} {{(field_27 > 0 && field_28 > 0) ? (field_34|currency:"€":0) : '' }}
Difference each year {{(field_62 > 0 && field_63 > 0) ? (field_64|currency:"€":0) : '' }} {{(field_16 > 0 && field_17 > 0) ? (field_35|currency:"€":0) : '' }} {{(field_18 > 0 && field_19 > 0) ? (field_36|currency:"€":0) : '' }} {{(field_20 > 0 && field_22 > 0) ? (field_37|currency:"€":0) : '' }} {{(field_23 > 0 && field_24 > 0) ? (field_38|currency:"€":0) : '' }} {{(field_25 > 0 && field_26 > 0) ? (field_39|currency:"€":0) : '' }} {{(field_27 > 0 && field_28 > 0) ? (field_40|currency:"€":0) : '' }}
(Please see rate table above for further details)
Mortgage Rate Comparison Calculations
Enter details on the calculator to view your current monthly repayments, new monthly repayments, estimated difference per month and on an annual basis.
If you are a switcher customer please click here for switcher calculator

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New rate options not included in our calculators are our Green Mortgage fixed interest rate and our High Value Mortgage fixed interest rate – (Terms and conditions apply. Cashback is not available with the High Value Mortgage fixed interest rate.)

Fixed rates roll to the corresponding new business variable rate at the end of the fixed period.
APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years. APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. For Buy to Let, APRC includes a fee for the Banks solicitor of €950 plus VAT at 23% plus outlay of up to €350.

Need to change the interest rate on your mortgage with us?

You can do this all online, there’s no need to call or visit a branch:

Select the “Request a new rate” button below
Complete the online form
We will then email and text each person named on the mortgage
Open the email and use a 6 digit code in the text to access your request
Follow the online instructions to request your new rate…. and that’s it!

Mortgage Self Service

Help & Support

Need help and support? Read our frequently asked questions to find an answer.

Visit our Help Centre

Information & Legal notices

Green Mortgage Fixed Interest Rate

The Green Mortgage fixed interest rate includes a discount so that it is 0.30% lower than our standard mortgage loan fixed rates and rate is available to you if you are a) buying a property that has a Building Energy Rating (BER) of B3 or better: OR b) are borrowing to build your home so that it has a BER rating of B3 or better; OR c) are switching your mortgage loan to us from another lender and the property has a BER of B3 or better; AND, You provide us with a BER certificate for your home showing a rating of B3 or better before you draw down the new mortgage loan, (you don’t need to provide the BER Certificate up-front if you are borrowing to build your new home) AND, you draw down your new mortgage loan before 31 December 2024. Click here for full details and terms and conditions.

HVM is the High Value Mortgage Fixed Interest Rate:

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.
. View full details and terms and conditions.

Owner Occupier Mortgage Rate:

Owner Occupier rates are effective from 27 October 2023 and are subject to change.
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 LTV Variable rate applicable at that time.
Customers on a variable rate can choose from our range of fixed rates.
To avail of a lower LTV fixed rate a property valuation report may be required.

At the end of a fixed rate period, existing customers on a fixed rate can choose from our range of fixed rate options or roll to the prevailing Loan to Value Variable rate. Mortgage applicants must be over 18.

Investor (Buy to Let) rates

Buy to Let new business rates are effective from the 27 October 2023 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 LTV Variable rate applicable at that time. Customers on a variable rate can choose from our range of fixed rates. To avail of a lower LTV fixed rate a property valuation report may be required.

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 €629.07 per month at 4.45% variable (Annual Percentage Rate of Charge (APRC) 4.6%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. The total amount you pay is €151,301.80. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value for first-time buyers). A 1% interest rate rise would increase monthly repayments by €54.61 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.

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.

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

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Speak with one of our Mortgage Service Specialists. Open 9am – 5pm Monday to Friday

Call 01 611 3333

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Green Mortgage Fixed Interest Rate

HVM is the High Value Mortgage Fixed Interest Rate:

Owner Occupier Mortgage Rate:

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Mortgage rate comparison calculator for existing customers

Please enter your mortgage details to find out your new repayments each month

Mortgage Rate Comparison Calculations

Help & Support

Green Mortgage Fixed Interest Rate

HVM is the High Value Mortgage Fixed Interest Rate:

Owner Occupier Mortgage Rate:

Investor (Buy to Let) rates

Contact us

Read our related articles

Top Advice for Moving House

Make an Entrance

Selling Your Home: Finding The Right Estate Agent