Repayment planner

Overpayment calculatorOverpayment calculatorPayment break calculatorPayment break calculatorRate comparison calculatorRate comparison calculator

Mortgage interest rate comparison calculator (for existing customers)

A different rate could mean lower repayments. Our rate comparison calculator lets you view your current monthly repayments, new monthly repayments, and the estimated difference each month and on an annual basis.


Request an interest rate change

Please note: Fixed rates roll to the corresponding new business variable rate at the end of the fixed period. If you entered into a fixed rate option before 18 April 2024, you may be entitled to a loan to value (LTV) based standard variable rate when your fixed-rate period ends.

  1. If your fixed rate is close to expiry, we will write to you and provide you with all the relevant details or you can log in to the Mortgage Viewer which gives you access to details such as your mortgage balance, repayment amount and date, current interest rate, maturity date, and more.
  2. Building Energy Rating (BER) is the energy efficiency of a building and is rated from most (A) to least efficient (G). A BER can be obtained through Sustainable Energy Authority of Ireland (SEAI) website*.

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


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 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 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.

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


Information and legal notices

Legal and regulatory information for mortgages.

View information and legal notices