Mortgage Service Hub

We’ve made it easier and quicker for you to manage your mortgage online.

We’re with you through your mortgage journey, with solutions designed to suit you – from the time you start saving for your deposit, when you’re ready to buy, and throughout the life of your mortgage

Whether you’ve recently taken out your mortgage or you have one for a while, we want to help you make the most of your mortgage.

Self-serve online

We’ve made it easier and quicker for you to manage your mortgage online. We offer self-service on all the services listed below. We’ll look after your request and get back to you within 3 working days.

Mortgage Self Service

  • Services that you can request are:

    I would like

    • an account statement
    • an interest certificate
    • to overpay on my mortgage
    • to stop overpaying on my mortgage
    • to change my mortgage repayment date
    • to skip a month’s repayments
    • to arrange a payment break
    • to set up a direct debit
    • to change to a new mortgage rate

    More information on each on these services is available below

Flexi Options

Look at how you can flex your mortgage to suits your lifestyle by choosing these flexi options

  • Get information on your mortgage

    Need information on your existing mortgage? Register to get instant access to your mortgage information like your mortgage balance, repayment amount and date, current rate, maturity date and more.

    Already registered? Click below to log in.
    My Mortgage Account

  • Skip up to 2 payments a year

    If you would like to have a little extra to spend at certain times of the year – such as Christmas or holiday time – you can spread your mortgage repayments in a year over 10 or 11 months and skip the other one or two.

    For example, if you would like to skip your repayment in December to have some extra cash at Christmas time, we can arrange for your repayments to be higher for the rest of the year so that you will make your full 12 months’ repayments over 11 months. Once you select a skip month repayment option it will continue each year unless you ask us to change it.

    Click here to apply
    Mortgage Self Service
    Subject to meeting the conditions of your mortgage. Lending criteria and terms and conditions apply.

  • Overpay Your mortgage and save interest

    You can make Overpayments, either regularly or as lump sums, when you find yourself with extra cash. This will reduce your capital balance and you pay less interest. It may even reduce your term.

    You can make regular or lump sum overpayments of any amount to a variable rate mortgage.

    If you are on a fixed rate you can overpay up to 10% of your normal monthly repayment (or €65, whichever is greater), without incurring a fee.

    Overpaying your mortgage may result in your mortgage being be paid off early, but the maturity date on your mortgage doesn’t change.

    Even a small overpayment can make a difference to your mortgage. Visit our Overpay Calculator to see how much you could save. Click here to apply
    Mortgage Self Service
    (You can cancel regular overpayments at any time. Overpayments made are not refundable *Subject to terms and conditions)

  • 3 Month Payment Break

    You can take a 3-month payment break up to 3 times over the life of your mortgage loan – really useful if you run into extra expenses in a year such as the birth of a child or education fees. You can now apply online
    Mortgage Self Service

    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 (or 6 months must have lapsed since your COVID-19 payment break if you took one), and
    • 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 and 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.

  • Bring your rate with you

    • Moving home? You can bring your Bank of Ireland fixed rate with you to your new mortgage without penalty as long as your new mortgage is drawn down within 6 months of redeeming your old mortgage;
    • Learn more about our Home Movers Mortgage.

Account Changes

When you have a mortgage with us, from time to time, you may need to make some changes to or get information on your mortgage account.

Help & Support

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

Information & Legal notices

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 (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 €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: The cost of your monthly repayments may increase.
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.

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