Mortgage Rate Options

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

Mortgage Rates

Last update: 18/04/2024 08:51:17
mortgage type name BER Product Description fixed or variable Interest Rate apr
First Time BuyerA1 Year Fixed BER Afixed4.34.4
First Time BuyerB2 Year Fixed BER Bfixed4.354.5
SwitcherD5 Year Fixed BER Dfixed4.554.7
SwitcherE5 Year Fixed BER Efixed4.64.7
SwitcherF5 Year Fixed BER Ffixed4.654.8
SwitcherG5 Year Fixed BER Gfixed4.74.8
SwitcherBER Exempt5 Year Fixed BER Exemptfixed4.754.9
SwitcherA4 Year HVM BER Afixed3.64
SwitcherB4 Year HVM BER Bfixed3.654
SwitcherC4 Year HVM BER Cfixed3.74.1
SwitcherD4 Year HVM BER Dfixed3.754.1
SwitcherE4 Year HVM BER Efixed3.84.1
First Time BuyerC2 Year Fixed BER Cfixed4.44.5
SwitcherF4 Year HVM BER Ffixed3.854.1
SwitcherG4 Year HVM BER Gfixed3.94.2
SwitcherBER Exempt4 Year HVM BER Exemptfixed3.954.2
SwitcherA5 Year HVM BER Afixed3.94.1
SwitcherB5 Year HVM BER Bfixed3.954.2
SwitcherC5 Year HVM BER Cfixed44.2
SwitcherD5 Year HVM BER Dfixed4.054.2
SwitcherE5 Year HVM BER Efixed4.14.2
SwitcherF5 Year HVM BER Ffixed4.154.3
SwitcherG5 Year HVM BER Gfixed4.24.3
First Time BuyerD2 Year Fixed BER Dfixed4.454.6
SwitcherBER Exempt5 Year HVM BER Exemptfixed4.254.4
SwitcherA7 Year HVM BER Afixed3.954.1
SwitcherB7 Year HVM BER Bfixed44.2
SwitcherC7 Year HVM BER Cfixed4.054.2
SwitcherD7 Year HVM BER Dfixed4.14.2
SwitcherE7 Year HVM BER Efixed4.154.3
SwitcherF7 Year HVM BER Ffixed4.24.3
SwitcherG7 Year HVM BER Gfixed4.254.4
SwitcherBER Exempt7 Year HVM BER Exemptfixed4.34.4
SwitcherA10 Year Fixed BER Afixed4.74.8
First Time BuyerE2 Year Fixed BER Efixed4.54.6
SwitcherB10 Year Fixed BER Bfixed4.754.9
SwitcherC10 Year Fixed BER Cfixed4.84.9
SwitcherD10 Year Fixed BER Dfixed4.855
SwitcherE10 Year Fixed BER Efixed4.95
SwitcherF10 Year Fixed BER Ffixed4.955.1
SwitcherG10 Year Fixed BER Gfixed55.1
SwitcherBER Exempt10 Year Fixed BER Exemptfixed5.055.2
SwitcherAStandard Variable variable4.154.3
SwitcherBStandard Variable variable4.154.3
SwitcherCStandard Variable variable4.154.3
First Time BuyerF2 Year Fixed BER Ffixed4.554.7
SwitcherDStandard Variable variable4.154.3
SwitcherEStandard Variable variable4.154.3
SwitcherFStandard Variable variable4.154.3
SwitcherGStandard Variable variable4.154.3
SwitcherBER ExemptStandard Variable variable4.154.3
MoverA1 Year Fixed BER Afixed4.34.4
MoverB1 Year Fixed BER Bfixed4.354.5
MoverC1 Year Fixed BER Cfixed4.44.5
MoverD1 Year Fixed BER Dfixed4.454.6
MoverE1 Year Fixed BER Efixed4.54.6
First Time BuyerG2 Year Fixed BER Gfixed4.64.7
MoverF1 Year Fixed BER Ffixed4.554.7
MoverG1 Year Fixed BER Gfixed4.64.7
MoverBER Exempt1 Year Fixed BER Exemptfixed4.654.8
MoverA2 Year Fixed BER Afixed4.34.4
MoverB2 Year Fixed BER Bfixed4.354.5
MoverC2 Year Fixed BER Cfixed4.44.5
MoverD2 Year Fixed BER Dfixed4.454.6
MoverE2 Year Fixed BER Efixed4.54.6
MoverF2 Year Fixed BER Ffixed4.554.7
MoverG2 Year Fixed BER Gfixed4.64.7
First Time BuyerBER Exempt2 Year Fixed BER Exemptfixed4.654.8
MoverBER Exempt2 Year Fixed BER Exemptfixed4.654.8
MoverA3 Year Fixed BER Afixed4.44.5
MoverB3 Year Fixed BER Bfixed4.454.6
MoverC3 Year Fixed BER Cfixed4.54.6
MoverD3 Year Fixed BER Dfixed4.554.7
MoverE3 Year Fixed BER Efixed4.64.7
MoverF3 Year Fixed BER Ffixed4.654.8
MoverG3 Year Fixed BER Gfixed4.74.8
MoverBER Exempt3 Year Fixed BER Exemptfixed4.754.9
MoverA5 Year Fixed BER Afixed4.44.5
First Time BuyerA3 Year Fixed BER Afixed4.44.5
MoverB5 Year Fixed BER Bfixed4.454.6
MoverC5 Year Fixed BER Cfixed4.54.6
MoverD5 Year Fixed BER Dfixed4.554.7
MoverE5 Year Fixed BER Efixed4.64.7
MoverF5 Year Fixed BER Ffixed4.654.8
MoverG5 Year Fixed BER Gfixed4.74.8
MoverBER Exempt5 Year Fixed BER Exemptfixed4.754.9
MoverA4 Year HVM BER Afixed3.64
MoverB4 Year HVM BER Bfixed3.654
MoverC4 Year HVM BER Cfixed3.74.1
First Time BuyerB3 Year Fixed BER Bfixed4.454.6
MoverD4 Year HVM BER Dfixed3.754.1
MoverE4 Year HVM BER Efixed3.84.1
MoverF4 Year HVM BER Ffixed3.854.1
MoverG4 Year HVM BER Gfixed3.94.2
MoverBER Exempt4 Year HVM BER Exemptfixed3.954.2
MoverA5 Year HVM BER Afixed3.94.1
MoverB5 Year HVM BER Bfixed3.954.2
MoverC5 Year HVM BER Cfixed44.2
MoverD5 Year HVM BER Dfixed4.054.2
MoverE5 Year HVM BER Efixed4.14.2
First Time BuyerC3 Year Fixed BER Cfixed4.54.6
MoverF5 Year HVM BER Ffixed4.154.3
MoverG5 Year HVM BER Gfixed4.24.3
MoverBER Exempt5 Year HVM BER Exemptfixed4.254.4
MoverA7 Year HVM BER Afixed3.954.1
MoverB7 Year HVM BER Bfixed44.2
MoverC7 Year HVM BER Cfixed4.054.2
MoverD7 Year HVM BER Dfixed4.14.2
MoverE7 Year HVM BER Efixed4.154.3
MoverF7 Year HVM BER Ffixed4.24.3
MoverG7 Year HVM BER Gfixed4.254.4
First Time BuyerB1 Year Fixed BER Bfixed4.354.5
First Time BuyerD3 Year Fixed BER Dfixed4.554.7
MoverBER Exempt7 Year HVM BER Exemptfixed4.34.4
MoverA10 Year Fixed BER Afixed4.74.8
MoverB10 Year Fixed BER Bfixed4.754.9
MoverC10 Year Fixed BER Cfixed4.84.9
MoverD10 Year Fixed BER Dfixed4.855
MoverE10 Year Fixed BER Efixed4.95
MoverF10 Year Fixed BER Ffixed4.955.1
MoverG10 Year Fixed BER Gfixed55.1
MoverBER Exempt10 Year Fixed BER Exemptfixed5.055.2
MoverAStandard Variable variable4.154.3
First Time BuyerE3 Year Fixed BER Efixed4.64.7
MoverBStandard Variable variable4.154.3
MoverCStandard Variable variable4.154.3
MoverDStandard Variable variable4.154.3
MoverEStandard Variable variable4.154.3
MoverFStandard Variable variable4.154.3
MoverGStandard Variable variable4.154.3
MoverBER ExemptStandard Variable variable4.154.3
ExistingA1 Year Fixed BER Afixed3.84.2
ExistingB1 Year Fixed BER Bfixed3.854.2
ExistingC1 Year Fixed BER Cfixed3.94.2
First Time BuyerF3 Year Fixed BER Ffixed4.654.8
ExistingD1 Year Fixed BER Dfixed3.954.2
ExistingE1 Year Fixed BER Efixed44.2
ExistingF1 Year Fixed BER Ffixed4.054.2
ExistingG1 Year Fixed BER Gfixed4.14.2
ExistingBER Exempt1 Year Fixed BER Exemptfixed4.154.3
ExistingNo BER1 Year Fixed No BERfixed4.154.3
ExistingA2 Year Fixed BER Afixed3.84.2
ExistingB2 Year Fixed BER Bfixed3.854.2
ExistingC2 Year Fixed BER Cfixed3.94.2
ExistingD2 Year Fixed BER Dfixed3.954.2
First Time BuyerG3 Year Fixed BER Gfixed4.74.8
ExistingE2 Year Fixed BER Efixed44.2
ExistingF2 Year Fixed BER Ffixed4.054.2
ExistingG2 Year Fixed BER Gfixed4.14.2
ExistingBER Exempt2 Year Fixed BER Exemptfixed4.154.3
ExistingNo BER2 Year Fixed No BERfixed4.154.3
ExistingA3 Year Fixed BER Afixed3.94.2
ExistingB3 Year Fixed BER Bfixed3.954.2
ExistingC3 Year Fixed BER Cfixed44.2
ExistingD3 Year Fixed BER Dfixed4.054.2
ExistingE3 Year Fixed BER Efixed4.14.2
First Time BuyerBER Exempt3 Year Fixed BER Exemptfixed4.754.9
ExistingF3 Year Fixed BER Ffixed4.154.3
ExistingG3 Year Fixed BER Gfixed4.24.3
ExistingBER Exempt3 Year Fixed BER Exemptfixed4.254.4
ExistingNo BER3 Year Fixed No BERfixed4.254.4
ExistingA5 Year Fixed BER Afixed3.94.1
ExistingB5 Year Fixed BER Bfixed3.954.2
ExistingC5 Year Fixed BER Cfixed44.2
ExistingD5 Year Fixed BER Dfixed4.054.2
ExistingE5 Year Fixed BER Efixed4.14.2
ExistingF5 Year Fixed BER Ffixed4.154.3
First Time BuyerA5 Year Fixed BER Afixed4.44.5
ExistingG5 Year Fixed BER Gfixed4.24.3
ExistingBER Exempt5 Year Fixed BER Exemptfixed4.254.4
ExistingNo BER5 Year Fixed No BERfixed4.254.4
ExistingA10 Year Fixed BER Afixed4.24.3
ExistingB10 Year Fixed BER Bfixed4.254.4
ExistingC10 Year Fixed BER Cfixed4.34.4
ExistingD10 Year Fixed BER Dfixed4.354.5
ExistingE10 Year Fixed BER Efixed4.44.5
ExistingF10 Year Fixed BER Ffixed4.454.6
ExistingG10 Year Fixed BER Gfixed4.54.6
First Time BuyerB5 Year Fixed BER Bfixed4.454.6
ExistingBER Exempt10 Year Fixed BER Exemptfixed4.554.7
ExistingNo BER10 Year Fixed No BERfixed4.554.7
ExistingAStandard Variable Ratevariable4.154.3
ExistingBStandard Variable Ratevariable4.154.3
ExistingCStandard Variable Ratevariable4.154.3
ExistingDStandard Variable Ratevariable4.154.3
ExistingEStandard Variable Ratevariable4.154.3
ExistingFStandard Variable Ratevariable4.154.3
ExistingGStandard Variable Ratevariable4.154.3
ExistingBER ExemptStandard Variable Ratevariable4.154.3
First Time BuyerC5 Year Fixed BER Cfixed4.54.6
ExistingNo BERStandard Variable Ratevariable4.154.3
Investor - NewABTL 2 Year Fixed BER Afixed6.156.5
Investor - NewBBTL 2 Year Fixed BER Bfixed6.26.6
Investor - NewCBTL 2 Year Fixed BER Cfixed6.256.6
Investor - NewDBTL 2 Year Fixed BER Dfixed6.36.7
Investor - NewEBTL 2 Year Fixed BER Efixed6.356.7
Investor - NewFBTL 2 Year Fixed BER Ffixed6.46.8
Investor - NewGBTL 2 Year Fixed BER Gfixed6.456.8
Investor - NewBER ExemptBTL 2 Year Fixed BER Exemptfixed6.56.9
Investor - NewABTL 5 Year Fixed BER Afixed6.36.7
First Time BuyerD5 Year Fixed BER Dfixed4.554.7
Investor - NewBBTL 5 Year Fixed BER Bfixed6.356.7
Investor - NewCBTL 5 Year Fixed BER Cfixed6.46.8
Investor - NewDBTL 5 Year Fixed BER Dfixed6.456.8
Investor - NewEBTL 5 Year Fixed BER Efixed6.56.9
Investor - NewFBTL 5 Year Fixed BER Ffixed6.556.9
Investor - NewGBTL 5 Year Fixed BER Gfixed6.67
Investor - NewBER ExemptBTL 5 Year Fixed BER Exemptfixed6.657
Investor - NewAStandard Variable Ratevariable4.855.1
Investor - NewBStandard Variable Ratevariable4.855.1
Investor - NewCStandard Variable Ratevariable4.855.1
First Time BuyerE5 Year Fixed BER Efixed4.64.7
Investor - NewDStandard Variable Ratevariable4.855.1
Investor - NewEStandard Variable Ratevariable4.855.1
Investor - NewFStandard Variable Ratevariable4.855.1
Investor - NewGStandard Variable Ratevariable4.855.1
Investor - NewBER ExemptStandard Variable Ratevariable4.855.1
Investor - ExistingABTL 2 Year Fixed BER Afixed5.656
Investor - ExistingBBTL 2 Year Fixed BER Bfixed5.76
Investor - ExistingCBTL 2 Year Fixed BER Cfixed5.756.1
Investor - ExistingDBTL 2 Year Fixed BER Dfixed5.86.1
Investor - ExistingEBTL 2 Year Fixed BER Efixed5.856.2
First Time BuyerC1 Year Fixed BER Cfixed4.44.5
First Time BuyerF5 Year Fixed BER Ffixed4.654.8
Investor - ExistingFBTL 2 Year Fixed BER Ffixed5.96.3
Investor - ExistingGBTL 2 Year Fixed BER Gfixed5.956.3
Investor - ExistingBER ExemptBTL 2 Year Fixed BER Exemptfixed66.4
Investor - ExistingNo BERBTL 2 Year Fixed No BERfixed66.4
Investor - ExistingABTL 5 Year Fixed BER Afixed5.86.1
Investor - ExistingBBTL 5 Year Fixed BER Bfixed5.856.2
Investor - ExistingCBTL 5 Year Fixed BER Cfixed5.96.3
Investor - ExistingDBTL 5 Year Fixed BER Dfixed5.956.3
Investor - ExistingEBTL 5 Year Fixed BER Efixed66.4
Investor - ExistingFBTL 5 Year Fixed BER Ffixed6.056.4
First Time BuyerG5 Year Fixed BER Gfixed4.74.8
Investor - ExistingGBTL 5 Year Fixed BER Gfixed6.16.5
Investor - ExistingBER ExemptBTL 5 Year Fixed BER Exemptfixed6.156.5
Investor - ExistingNo BERBTL 5 Year Fixed No BER fixed6.156.5
Investor - ExistingAStandard Variable Ratevariable4.855.1
Investor - ExistingBStandard Variable Ratevariable4.855.1
Investor - ExistingCStandard Variable Ratevariable4.855.1
Investor - ExistingDStandard Variable Ratevariable4.855.1
Investor - ExistingEStandard Variable Ratevariable4.855.1
Investor - ExistingFStandard Variable Ratevariable4.855.1
Investor - ExistingGStandard Variable Ratevariable4.855.1
First Time BuyerBER Exempt5 Year Fixed BER Exemptfixed4.754.9
Investor - ExistingBER ExemptStandard Variable Ratevariable4.855.1
Investor - ExistingNo BERStandard Variable Ratevariable4.855.1
First Time BuyerA4 Year HVM BER Afixed3.64
First Time BuyerB4 Year HVM BER Bfixed3.654
First Time BuyerC4 Year HVM BER Cfixed3.74.1
First Time BuyerD4 Year HVM BER Dfixed3.754.1
First Time BuyerE4 Year HVM BER Efixed3.84.1
First Time BuyerF4 Year HVM BER Ffixed3.854.1
First Time BuyerG4 Year HVM BER Gfixed3.94.2
First Time BuyerD1 Year Fixed BER Dfixed4.454.6
First Time BuyerBER Exempt4 Year HVM BER Exemptfixed3.954.2
First Time BuyerA5 Year HVM BER Afixed3.94.1
First Time BuyerB5 Year HVM BER Bfixed3.954.2
First Time BuyerC5 Year HVM BER Cfixed44.2
First Time BuyerD5 Year HVM BER Dfixed4.054.2
First Time BuyerE5 Year HVM BER Efixed4.14.2
First Time BuyerF5 Year HVM BER Ffixed4.154.3
First Time BuyerG5 Year HVM BER Gfixed4.24.3
First Time BuyerBER Exempt5 Year HVM BER Exemptfixed4.254.4
First Time BuyerA7 Year HVM BER Afixed3.954.1
First Time BuyerE1 Year Fixed BER Efixed4.54.6
First Time BuyerB7 Year HVM BER Bfixed44.2
First Time BuyerC7 Year HVM BER Cfixed4.054.2
First Time BuyerD7 Year HVM BER Dfixed4.14.2
First Time BuyerE7 Year HVM BER Efixed4.154.3
First Time BuyerF7 Year HVM BER Ffixed4.24.3
First Time BuyerG7 Year HVM BER Gfixed4.254.4
First Time BuyerBER Exempt7 Year HVM BER Exemptfixed4.34.4
First Time BuyerA10 Year Fixed BER Afixed4.74.8
First Time BuyerB10 Year Fixed BER Bfixed4.754.9
First Time BuyerC10 Year Fixed BER Cfixed4.84.9
First Time BuyerF1 Year Fixed BER Ffixed4.554.7
First Time BuyerD10 Year Fixed BER Dfixed4.855
First Time BuyerE10 Year Fixed BER Efixed4.95
First Time BuyerF10 Year Fixed BER Ffixed4.955.1
First Time BuyerG10 Year Fixed BER Gfixed55.1
First Time BuyerBER Exempt10 Year Fixed BER Exemptfixed5.055.2
First Time BuyerAStandard Variable variable4.154.3
First Time BuyerBStandard Variable variable4.154.3
First Time BuyerCStandard Variable variable4.154.3
First Time BuyerDStandard Variable variable4.154.3
First Time BuyerEStandard Variable variable4.154.3
First Time BuyerG1 Year Fixed BER Gfixed4.64.7
First Time BuyerFStandard Variable variable4.154.3
First Time BuyerGStandard Variable variable4.154.3
First Time BuyerBER ExemptStandard Variable variable4.154.3
SwitcherA1 Year Fixed BER Afixed4.34.4
SwitcherB1 Year Fixed BER Bfixed4.354.5
SwitcherC1 Year Fixed BER Cfixed4.44.5
SwitcherD1 Year Fixed BER Dfixed4.454.6
SwitcherE1 Year Fixed BER Efixed4.54.6
SwitcherF1 Year Fixed BER Ffixed4.554.7
SwitcherG1 Year Fixed BER Gfixed4.64.7
First Time BuyerBER Exempt1 Year Fixed BER Exemptfixed4.654.8
SwitcherBER Exempt1 Year Fixed BER Exemptfixed4.654.8
SwitcherA2 Year Fixed BER Afixed4.34.4
SwitcherB2 Year Fixed BER Bfixed4.354.5
SwitcherC2 Year Fixed BER Cfixed4.44.5
SwitcherD2 Year Fixed BER Dfixed4.454.6
SwitcherE2 Year Fixed BER Efixed4.54.6
SwitcherF2 Year Fixed BER Ffixed4.554.7
SwitcherG2 Year Fixed BER Gfixed4.64.7
SwitcherBER Exempt2 Year Fixed BER Exemptfixed4.654.8
SwitcherA3 Year Fixed BER Afixed4.44.5
First Time BuyerA2 Year Fixed BER Afixed4.34.4
SwitcherB3 Year Fixed BER Bfixed4.454.6
SwitcherC3 Year Fixed BER Cfixed4.54.6
SwitcherD3 Year Fixed BER Dfixed4.554.7
SwitcherE3 Year Fixed BER Efixed4.64.7
SwitcherF3 Year Fixed BER Ffixed4.654.8
SwitcherG3 Year Fixed BER Gfixed4.74.8
SwitcherBER Exempt3 Year Fixed BER Exemptfixed4.754.9
SwitcherA5 Year Fixed BER Afixed4.44.5
SwitcherB5 Year Fixed BER Bfixed4.454.6
SwitcherC5 Year Fixed BER Cfixed4.54.6
*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.
*If you entered into a fixed rate option prior to 18 April 2024, then you may be entitled to a Loan to Value (LTV) based standard variable rate upon maturity of that fixed rate period. 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.
*Lending against BTL properties with a BER F and BER G will be prohibited unless it is intended to upgrade the property to an improved BER A – E.

BER
“BER” and “BER rating” refer to a Building Energy Rating

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:
      • Switch to a variable rate
      • Pay off all or part of your mortgage.

    *subject to Terms and conditions

    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.


EcoSaver Mortgage
EcoSaver Mortgage

Mortgage rate comparison calculator for existing customers


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:

  1. Select the “Request a new rate” button below
  2. Complete the online form
  3. We will then email and text each person named on the mortgage
  4. Open the email and use a 6 digit code in the text to access your request
  5. 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.

Information & Legal notices

The EcoSaver Mortgage Fixed Interest Rate

The EcoSaver Mortgage fixed interest rate provides customers with discounts based on their Building Energy Rating (BER), the better the BER rating, the better the discount. The EcoSaver Mortgage is available to all customers, if you are new to Bank of Ireland or already have a mortgage with us. You can get The EcoSaver Mortgage fixed interest rate if you are borrowing to buy a home for yourself or your family or an investment property to let or you switching your mortgage loan to us from another lender. You must supply a BER (Building Energy Rating) certificate to avail of the EcoSaver mortgage. Available with fixed rates only.

Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. As of 18 April 2024, cashback will not be available for new mortgage loans that draw down on a standard variable rate.

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 18 April 2024 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 Standard Variable rate applicable at that time. Customers on a variable rate can choose from our range of fixed rates.

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 €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 Property Registration Authority. 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. APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years.

Investor (Buy to Let) rates

Buy to Let new business rates are effective from the 18 April 2024 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 Standard Variable rate applicable at that time. Customers on a variable rate can choose from our range of fixed rates.

The lender is Bank of Ireland Mortgages. 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 Banks 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.

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

Contact us

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