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Get up to 3% Cashback

Getting into your new home is great, but then you realise you need furniture and a new set of plates. This is when the Cashback Plus comes in handy.

  • Get 2% of your new mortgage back as cash after you draw down your mortgage
  • Plus as a special ‘thank you’, we will give you an additional 1% of your mortgage back in cash in five years’ time (subject to meeting the conditions of the mortgage).

This offer is available to movers who draw down their new mortgage by 31 December 2025.

If you take out a Mortgage top-up or a Buy to Let Investment mortgage, you can still avail of our 2% Cashback offer when you draw down your mortgage. Cashback is not available with the High Value Mortgage fixed interest rate or our standard variable rate.


  • Terms and Conditions

    • The Cashback PLUS Mortgage offer is available to you if:
      1. You use your mortgage loan to buy a home in the Republic of Ireland to live in yourself (as a First Time Buyer or Mover), or if you switch your mortgage loan to us from another lender (outside the Bank of Ireland Group) by re-mortgaging the house you live in. AND
      2. You draw down your new mortgage loan between 5 September 2016 and 31 December 2025.
    • The Cashback PLUS Mortgage Offer is available when you choose a fixed rate for your mortgage. (Cashback PLUS is not available with our High Value Mortgage fixed interest rate or our standard variable interest rate). As of 18 April 2024, new mortgage loans on a variable rate will not be entitled to a Cashback offering.
    • The 2% cashback payment will be 2% of the amount you borrow. The payment will be made into your mortgage-paying current account within 45 days of drawdown of your mortgage.
    • The 1% cashback payment at the end of year 5 is 1% of the mortgage loan amount you originally drew down. The 1% cashback payment will be made into your mortgage-paying current account within 45 days of the 5th anniversary of your mortgage drawdown.
    • To qualify for the payment of 1% in year 5:
      1. Your mortgage must have been drawn down within the Cashback PLUS Mortgage offer period;
      2. The Loan originally drawn down must still be owing on the 5th anniversary of your mortgage drawdown;
      3. You must have made all of your mortgage payments in full and on time;
      4. You must have met all of your other obligations under your mortgage loan documents in full;
      5. You must still live in the home you mortgaged to secure the loan on the 5th anniversary; and
      6. We must not have agreed or arranged to allow you make any reduced mortgage repayments or stop making repayments for any time. If you qualify to take a three month payment holiday and avail of it, it does not affect your entitlement to the 1% cashback payment at year 5.
    • If you draw down your mortgage in stages (e.g. for a self-build):
      1. The first drawdown must be made between 5 September 2016 and 31 December 2025, and must be made within six months of the date of your Mortgage Loan Offer Letter to qualify for the offer;
      2. In addition, final drawdown must be made within 18 months of the first drawdown. If you choose to not draw down the full amount noted in the offer letter, you must tell us within 18 months of the first drawdown;
      3. The 2% Cashback will be paid within 45 days of the final stage drawdown and will be 2% of the amount you borrow.
      4. Any additional lending is excluded from the calculation, e.g. a top-up mortgage loan.
      5. The 1% cashback payment after year 5 is 1% of the amount you borrowed at drawdown. The 1% cashback payment will be made into your mortgage-paying account within 45 days of the 5th anniversary of the final stage drawdown.
      • We do not require you to use your Bank of Ireland current account to make your mortgage payments or to pay your salary into that account.
      • The Cashback PLUS Mortgage offer is not available for:
      1. Top-up mortgages (equity release);
      2. Any mortgage to buy a property to let or for investment (buy-to let);
      3. Any mortgage where you do not borrow as a consumer, or;
      4. Any High Value Mortgage or variable rate mortgage.
      • We reserve the right to withdraw the Cashback PLUS Mortgage Offer at any time at our discretion, for example, to reflect any changes in law or regulation or how they are interpreted.


What mortgage options are available?

In general, a mortgage of up to 3.5 times your gross annual income (combined income for joint applicants) is available to movers.

Movers can borrow up to 90% of the property value. For example:

Property price€250,000
80% of €250,000€200,000
Deposit required (20%)€50,000

Terms of up to 35 years are available to movers.

Apply now


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Flexi-Options

We offer a range of Flexi-Options to allow you to tailor your mortgage to your needs, such as payment breaks, which allow you to take a 3 month break from mortgage repayments.

The mortgage must be fully drawn for a minimum of 2 years with all mortgage obligations met. The Payment Break is subject to approval. After the payment break, repayments are adjusted to repay the mortgage within the original term.


  • 3 Month Payment Break

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

    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, and
    • You must have complied with all the terms and conditions of the mortgage.

    Applications are subject to approval. Available on your Principle Private Dwelling only. Only available on annuity (standard capital and interest) repayment mortgages. Lending 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.

  • Skip up to 2 payments in 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.

    Subject to meeting the conditions of your mortgage. Lending criteria and terms and conditions apply.

    Once you select a skip month repayment option it will continue each year unless you ask us to change it.


  • 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.

    Even a small overpayment can make a difference to your mortgage.

    (You can cancel regular overpayments at any time. Overpayments made are not refundable)

    Check out our Overpay Calculator to see how much you could save.

  • Split your mortgage rate

    • With our Twin rate mortgage you can benefit from the certainty and stability of a fixed rate AND the flexibility of variable;
    • Put a portion of your mortgage on a variable rate and the remainder on a fixed rate. You decide the split;
    • Find out more about your rate options here.

    Lending criteria and terms and conditions apply.

  • Bring your fixed 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;
      • Find full details about our Movers mortgage here.

  • Change your payment date

    You can change the repayment date to another one in the month that suits you better such as right after payday.


    Applies to monthly repayments only. Subject to meeting the conditions of your mortgage. You can move your repayment date by up to 21 days.
    Your repayments will be recalculated so that your mortgage will be repaid by the originally agreed date.
  • Deferred Start

    For some extra breathing space up front, ask about deferring your first three months’ mortgage repayments.

    Available with First Time Buyer, Mover and Equity Release mortgages. Applications are subject to approval. Available on your Principle Private Dwelling only. Only available on annuity (standard capital and interest) repayment mortgages. Lending criteria and terms and conditions apply. At the end of the Deferred Start period your repayments will be adjusted so that your mortgage will be repaid within its original term. I.e. your ‘Deferred Start’ repayments will be spread over your remaining mortgage, which means your new repayments will be higher than they would be without the Deferred Start.

It’s so easy to contact us to talk about mortgages

Are you ready to take the next step and buy your dream property? We’re here to help you every step of the way.

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We have qualified mortgage specialists across our network of 250 branches nationwide

Make an appointment

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Our Mobile Mortgage Managers will meet you at a time and place that suits you

Book an appointment

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Speak with one of our lending specialists Mon-Fri 9am-5pm

0818 365 345

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Move and bring your Fixed 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 Bank of Ireland mortgage.

Interest Rates

Variable Rate Policy StatementViewPrint

We offer a wide range of fixed rate options. You can even choose a combination of fixed and variable rates – a Twin interest rate – where you fix a portion of your mortgage and put the rest on a variable rate.

Last update: 26/11/2024 08:14:00
mortgage type name BER Product Description fixed or variable Interest Rate apr
First Time BuyerA1 Year HVM BER Afixed3.34.2
First Time BuyerB1 Year HVM BER Bfixed3.354.2
First Time BuyerC1 Year HVM BER Cfixed3.44.2
First Time BuyerD1 Year HVM BER Dfixed3.454.2
First Time BuyerE1 Year HVM BER Efixed3.54.2
First Time BuyerF1 Year HVM BER Ffixed3.554.2
First Time BuyerG1 Year HVM BER Gfixed3.64.2
First Time BuyerBER Exempt1 Year HVM BER Exemptfixed3.654.2
First Time BuyerA2 Year Fixed BER Afixed3.84.2
First Time BuyerB2 Year Fixed BER Bfixed3.854.2
First Time BuyerC2 Year Fixed BER Cfixed3.94.2
First Time BuyerD2 Year Fixed BER Dfixed3.954.2
First Time BuyerE2 Year Fixed BER Efixed44.2
First Time BuyerF2 Year Fixed BER Ffixed4.054.2
First Time BuyerG2 Year Fixed BER Gfixed4.14.2
First Time BuyerBER Exempt2 Year Fixed BER Exemptfixed4.154.3
First Time BuyerA3 Year Fixed BER Afixed3.94.2
First Time BuyerB3 Year Fixed BER Bfixed3.954.2
First Time BuyerC3 Year Fixed BER Cfixed44.2
First Time BuyerD3 Year Fixed BER Dfixed4.054.2
First Time BuyerE3 Year Fixed BER Efixed4.14.2
First Time BuyerF3 Year Fixed BER Ffixed4.154.3
First Time BuyerG3 Year Fixed BER Gfixed4.24.3
First Time BuyerBER Exempt3 Year Fixed BER Exemptfixed4.254.4
First Time BuyerA5 Year Fixed BER Afixed3.94.1
First Time BuyerB5 Year Fixed BER Bfixed3.954.2
First Time BuyerC5 Year Fixed BER Cfixed44.2
First Time BuyerD5 Year Fixed BER Dfixed4.054.2
First Time BuyerE5 Year Fixed BER Efixed4.14.2
First Time BuyerF5 Year Fixed BER Ffixed4.154.3
First Time BuyerG5 Year Fixed BER Gfixed4.24.3
First Time BuyerBER Exempt5 Year Fixed BER Exemptfixed4.254.4
First Time BuyerA4 Year HVM BER Afixed3.13.8
First Time BuyerB4 Year HVM BER Bfixed3.153.8
First Time BuyerC4 Year HVM BER Cfixed3.23.9
First Time BuyerD4 Year HVM BER Dfixed3.253.9
First Time BuyerE4 Year HVM BER Efixed3.33.9
First Time BuyerF4 Year HVM BER Ffixed3.353.9
First Time BuyerG4 Year HVM BER Gfixed3.43.9
First Time BuyerBER Exempt4 Year HVM BER Exemptfixed3.454
First Time BuyerA5 Year HVM BER Afixed3.43.9
First Time BuyerB5 Year HVM BER Bfixed3.453.9
First Time BuyerC5 Year HVM BER Cfixed3.53.9
First Time BuyerD5 Year HVM BER Dfixed3.554
First Time BuyerE5 Year HVM BER Efixed3.64
First Time BuyerF5 Year HVM BER Ffixed3.654
First Time BuyerG5 Year HVM BER Gfixed3.74
First Time BuyerBER Exempt5 Year HVM BER Exemptfixed3.754.1
First Time BuyerA7 Year HVM BER Afixed3.453.8
First Time BuyerB7 Year HVM BER Bfixed3.53.8
First Time BuyerC7 Year HVM BER Cfixed3.553.9
First Time BuyerD7 Year HVM BER Dfixed3.63.9
First Time BuyerE7 Year HVM BER Efixed3.653.9
First Time BuyerF7 Year HVM BER Ffixed3.74
First Time BuyerG7 Year HVM BER Gfixed3.754
First Time BuyerBER Exempt7 Year HVM BER Exemptfixed3.84
First Time BuyerA10 Year Fixed BER Afixed4.24.3
First Time BuyerB10 Year Fixed BER Bfixed4.254.4
First Time BuyerC10 Year Fixed BER Cfixed4.34.4
First Time BuyerD10 Year Fixed BER Dfixed4.354.5
First Time BuyerE10 Year Fixed BER Efixed4.44.5
First Time BuyerF10 Year Fixed BER Ffixed4.454.6
First Time BuyerG10 Year Fixed BER Gfixed4.54.6
First Time BuyerBER Exempt10 Year Fixed BER Exemptfixed4.554.7
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 BuyerFStandard Variable variable4.154.3
First Time BuyerGStandard Variable variable4.154.3
First Time BuyerBER ExemptStandard Variable variable4.154.3
SwitcherA1 Year HVM BER Afixed3.34.2
SwitcherB1 Year HVM BER Bfixed3.354.2
SwitcherC1 Year HVM BER Cfixed3.44.2
SwitcherD1 Year HVM BER Dfixed3.454.2
SwitcherE1 Year HVM BER Efixed3.54.2
SwitcherF1 Year HVM BER Ffixed3.554.2
SwitcherG1 Year HVM BER Gfixed3.64.2
SwitcherBER Exempt1 Year HVM BER Exemptfixed3.654.2
SwitcherA2 Year Fixed BER Afixed3.84.2
SwitcherB2 Year Fixed BER Bfixed3.854.2
SwitcherC2 Year Fixed BER Cfixed3.94.2
SwitcherD2 Year Fixed BER Dfixed3.954.2
SwitcherE2 Year Fixed BER Efixed44.2
SwitcherF2 Year Fixed BER Ffixed4.054.2
SwitcherG2 Year Fixed BER Gfixed4.14.2
SwitcherBER Exempt2 Year Fixed BER Exemptfixed4.154.3
SwitcherA3 Year Fixed BER Afixed3.94.2
SwitcherB3 Year Fixed BER Bfixed3.954.2
SwitcherC3 Year Fixed BER Cfixed44.2
SwitcherD3 Year Fixed BER Dfixed4.054.2
SwitcherE3 Year Fixed BER Efixed4.14.2
SwitcherF3 Year Fixed BER Ffixed4.154.3
SwitcherG3 Year Fixed BER Gfixed4.24.3
SwitcherBER Exempt3 Year Fixed BER Exemptfixed4.254.4
SwitcherA5 Year Fixed BER Afixed3.94.1
SwitcherB5 Year Fixed BER Bfixed3.954.2
SwitcherC5 Year Fixed BER Cfixed44.2
SwitcherD5 Year Fixed BER Dfixed4.054.2
SwitcherE5 Year Fixed BER Efixed4.14.2
SwitcherF5 Year Fixed BER Ffixed4.154.3
SwitcherG5 Year Fixed BER Gfixed4.24.3
SwitcherBER Exempt5 Year Fixed BER Exemptfixed4.254.4
SwitcherA4 Year HVM BER Afixed3.13.8
SwitcherB4 Year HVM BER Bfixed3.153.8
SwitcherC4 Year HVM BER Cfixed3.23.9
SwitcherD4 Year HVM BER Dfixed3.253.9
SwitcherE4 Year HVM BER Efixed3.33.9
SwitcherF4 Year HVM BER Ffixed3.353.9
SwitcherG4 Year HVM BER Gfixed3.43.9
SwitcherBER Exempt4 Year HVM BER Exemptfixed3.454
SwitcherA5 Year HVM BER Afixed3.43.9
SwitcherB5 Year HVM BER Bfixed3.453.9
SwitcherC5 Year HVM BER Cfixed3.53.9
SwitcherD5 Year HVM BER Dfixed3.554
SwitcherE5 Year HVM BER Efixed3.64
SwitcherF5 Year HVM BER Ffixed3.654
SwitcherG5 Year HVM BER Gfixed3.74
SwitcherBER Exempt5 Year HVM BER Exemptfixed3.754.1
SwitcherA7 Year HVM BER Afixed3.453.8
SwitcherB7 Year HVM BER Bfixed3.53.8
SwitcherC7 Year HVM BER Cfixed3.553.9
SwitcherD7 Year HVM BER Dfixed3.63.9
SwitcherE7 Year HVM BER Efixed3.653.9
SwitcherF7 Year HVM BER Ffixed3.74
SwitcherG7 Year HVM BER Gfixed3.754
SwitcherBER Exempt7 Year HVM BER Exemptfixed3.84
SwitcherA10 Year Fixed BER Afixed4.24.3
SwitcherB10 Year Fixed BER Bfixed4.254.4
SwitcherC10 Year Fixed BER Cfixed4.34.4
SwitcherD10 Year Fixed BER Dfixed4.354.5
SwitcherE10 Year Fixed BER Efixed4.44.5
SwitcherF10 Year Fixed BER Ffixed4.454.6
SwitcherG10 Year Fixed BER Gfixed4.54.6
SwitcherBER Exempt10 Year Fixed BER Exemptfixed4.554.7
SwitcherAStandard Variable variable4.154.3
SwitcherBStandard Variable variable4.154.3
SwitcherCStandard Variable variable4.154.3
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 HVM BER Afixed3.34.2
MoverB1 Year HVM BER Bfixed3.354.2
MoverC1 Year HVM BER Cfixed3.44.2
MoverD1 Year HVM BER Dfixed3.454.2
MoverE1 Year HVM BER Efixed3.54.2
MoverF1 Year HVM BER Ffixed3.554.2
MoverG1 Year HVM BER Gfixed3.64.2
MoverBER Exempt1 Year HVM BER Exemptfixed3.654.2
MoverA2 Year Fixed BER Afixed3.84.2
MoverB2 Year Fixed BER Bfixed3.854.2
MoverC2 Year Fixed BER Cfixed3.94.2
MoverD2 Year Fixed BER Dfixed3.954.2
MoverE2 Year Fixed BER Efixed44.2
MoverF2 Year Fixed BER Ffixed4.054.2
MoverG2 Year Fixed BER Gfixed4.14.2
MoverBER Exempt2 Year Fixed BER Exemptfixed4.154.3
MoverA3 Year Fixed BER Afixed3.94.2
MoverB3 Year Fixed BER Bfixed3.954.2
MoverC3 Year Fixed BER Cfixed44.2
MoverD3 Year Fixed BER Dfixed4.054.2
MoverE3 Year Fixed BER Efixed4.14.2
MoverF3 Year Fixed BER Ffixed4.154.3
MoverG3 Year Fixed BER Gfixed4.24.3
MoverBER Exempt3 Year Fixed BER Exemptfixed4.254.4
MoverA5 Year Fixed BER Afixed3.94.1
MoverB5 Year Fixed BER Bfixed3.954.2
MoverC5 Year Fixed BER Cfixed44.2
MoverD5 Year Fixed BER Dfixed4.054.2
MoverE5 Year Fixed BER Efixed4.14.2
MoverF5 Year Fixed BER Ffixed4.154.3
MoverG5 Year Fixed BER Gfixed4.24.3
MoverBER Exempt5 Year Fixed BER Exemptfixed4.254.4
MoverA4 Year HVM BER Afixed3.13.8
MoverB4 Year HVM BER Bfixed3.153.8
MoverC4 Year HVM BER Cfixed3.23.9
MoverD4 Year HVM BER Dfixed3.253.9
MoverE4 Year HVM BER Efixed3.33.9
MoverF4 Year HVM BER Ffixed3.353.9
MoverG4 Year HVM BER Gfixed3.43.9
MoverBER Exempt4 Year HVM BER Exemptfixed3.454
MoverA5 Year HVM BER Afixed3.43.9
MoverB5 Year HVM BER Bfixed3.453.9
MoverC5 Year HVM BER Cfixed3.53.9
MoverD5 Year HVM BER Dfixed3.554
MoverE5 Year HVM BER Efixed3.64
MoverF5 Year HVM BER Ffixed3.654
MoverG5 Year HVM BER Gfixed3.74
MoverBER Exempt5 Year HVM BER Exemptfixed3.754.1
MoverA7 Year HVM BER Afixed3.453.8
MoverB7 Year HVM BER Bfixed3.53.8
MoverC7 Year HVM BER Cfixed3.553.9
MoverD7 Year HVM BER Dfixed3.63.9
MoverE7 Year HVM BER Efixed3.653.9
MoverF7 Year HVM BER Ffixed3.74
MoverG7 Year HVM BER Gfixed3.754
MoverBER Exempt7 Year HVM BER Exemptfixed3.84
MoverA10 Year Fixed BER Afixed4.24.3
MoverB10 Year Fixed BER Bfixed4.254.4
MoverC10 Year Fixed BER Cfixed4.34.4
MoverD10 Year Fixed BER Dfixed4.354.5
MoverE10 Year Fixed BER Efixed4.44.5
MoverF10 Year Fixed BER Ffixed4.454.6
MoverG10 Year Fixed BER Gfixed4.54.6
MoverBER Exempt10 Year Fixed BER Exemptfixed4.554.7
MoverAStandard Variable variable4.154.3
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 Afixed3.34.2
ExistingB1 Year Fixed BER Bfixed3.354.2
ExistingC1 Year Fixed BER Cfixed3.44.2
ExistingD1 Year Fixed BER Dfixed3.454.2
ExistingE1 Year Fixed BER Efixed3.54.2
ExistingF1 Year Fixed BER Ffixed3.554.2
ExistingG1 Year Fixed BER Gfixed3.64.2
ExistingBER Exempt1 Year Fixed BER Exemptfixed3.654.2
ExistingNo BER1 Year Fixed No BERfixed3.654.2
ExistingA2 Year Fixed BER Afixed3.34.1
ExistingB2 Year Fixed BER Bfixed3.354.1
ExistingC2 Year Fixed BER Cfixed3.44.1
ExistingD2 Year Fixed BER Dfixed3.454.1
ExistingE2 Year Fixed BER Efixed3.54.1
ExistingF2 Year Fixed BER Ffixed3.554.1
ExistingG2 Year Fixed BER Gfixed3.64.1
ExistingBER Exempt2 Year Fixed BER Exemptfixed3.654.1
ExistingNo BER2 Year Fixed No BERfixed3.654.1
ExistingA3 Year Fixed BER Afixed3.44
ExistingB3 Year Fixed BER Bfixed3.454
ExistingC3 Year Fixed BER Cfixed3.54
ExistingD3 Year Fixed BER Dfixed3.554.1
ExistingE3 Year Fixed BER Efixed3.64.1
ExistingF3 Year Fixed BER Ffixed3.654.1
ExistingG3 Year Fixed BER Gfixed3.74.1
ExistingBER Exempt3 Year Fixed BER Exemptfixed3.754.1
ExistingNo BER3 Year Fixed No BERfixed3.754.1
ExistingA5 Year Fixed BER Afixed3.43.9
ExistingB5 Year Fixed BER Bfixed3.453.9
ExistingC5 Year Fixed BER Cfixed3.53.9
ExistingD5 Year Fixed BER Dfixed3.554
ExistingE5 Year Fixed BER Efixed3.64
ExistingF5 Year Fixed BER Ffixed3.654
ExistingG5 Year Fixed BER Gfixed3.74
ExistingBER Exempt5 Year Fixed BER Exemptfixed3.754.1
ExistingNo BER5 Year Fixed No BERfixed3.754.1
ExistingA10 Year Fixed BER Afixed3.73.9
ExistingB10 Year Fixed BER Bfixed3.753.9
ExistingC10 Year Fixed BER Cfixed3.84
ExistingD10 Year Fixed BER Dfixed3.854
ExistingE10 Year Fixed BER Efixed3.94.1
ExistingF10 Year Fixed BER Ffixed3.954.1
ExistingG10 Year Fixed BER Gfixed44.1
ExistingBER Exempt10 Year Fixed BER Exemptfixed4.054.2
ExistingNo BER10 Year Fixed No BERfixed4.054.2
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
ExistingNo BERStandard Variable Ratevariable4.154.3
Investor - NewABTL 2 Year Fixed BER Afixed5.656
Investor - NewBBTL 2 Year Fixed BER Bfixed5.76
Investor - NewCBTL 2 Year Fixed BER Cfixed5.756.1
Investor - NewDBTL 2 Year Fixed BER Dfixed5.86.1
Investor - NewEBTL 2 Year Fixed BER Efixed5.856.2
Investor - NewFBTL 2 Year Fixed BER Ffixed5.96.3
Investor - NewGBTL 2 Year Fixed BER Gfixed5.956.3
Investor - NewBER ExemptBTL 2 Year Fixed BER Exemptfixed66.4
Investor - NewABTL 5 Year Fixed BER Afixed5.86.1
Investor - NewBBTL 5 Year Fixed BER Bfixed5.856.2
Investor - NewCBTL 5 Year Fixed BER Cfixed5.96.3
Investor - NewDBTL 5 Year Fixed BER Dfixed5.956.3
Investor - NewEBTL 5 Year Fixed BER Efixed66.4
Investor - NewFBTL 5 Year Fixed BER Ffixed6.056.4
Investor - NewGBTL 5 Year Fixed BER Gfixed6.16.5
Investor - NewBER ExemptBTL 5 Year Fixed BER Exemptfixed6.156.5
Investor - NewAStandard Variable Ratevariable4.855.1
Investor - NewBStandard Variable Ratevariable4.855.1
Investor - NewCStandard Variable Ratevariable4.855.1
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 Afixed5.155.5
Investor - ExistingBBTL 2 Year Fixed BER Bfixed5.25.5
Investor - ExistingCBTL 2 Year Fixed BER Cfixed5.255.6
Investor - ExistingDBTL 2 Year Fixed BER Dfixed5.35.6
Investor - ExistingEBTL 2 Year Fixed BER Efixed5.355.7
Investor - ExistingFBTL 2 Year Fixed BER Ffixed5.45.7
Investor - ExistingGBTL 2 Year Fixed BER Gfixed5.455.8
Investor - ExistingBER ExemptBTL 2 Year Fixed BER Exemptfixed5.55.8
Investor - ExistingNo BERBTL 2 Year Fixed No BERfixed5.55.8
Investor - ExistingABTL 5 Year Fixed BER Afixed5.35.6
Investor - ExistingBBTL 5 Year Fixed BER Bfixed5.355.7
Investor - ExistingCBTL 5 Year Fixed BER Cfixed5.45.7
Investor - ExistingDBTL 5 Year Fixed BER Dfixed5.455.8
Investor - ExistingEBTL 5 Year Fixed BER Efixed5.55.8
Investor - ExistingFBTL 5 Year Fixed BER Ffixed5.555.9
Investor - ExistingGBTL 5 Year Fixed BER Gfixed5.65.9
Investor - ExistingBER ExemptBTL 5 Year Fixed BER Exemptfixed5.656
Investor - ExistingNo BERBTL 5 Year Fixed No BERfixed5.656
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
Investor - ExistingBER ExemptStandard Variable Ratevariable4.855.1
Investor - ExistingNo BERStandard Variable Ratevariable4.855.1

*The existing 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

 

Eco Saver Mortgage

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. Click here for full details and terms and conditions.

* HVM is our High Value Mortgage Fixed Interest Rates

The High Value Mortgage Interest rates are a one, 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 2025. Click here for full details and terms and conditions.

APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years. Fixed rates roll to the corresponding new business variable rate at the end of the fixed period.

APRC is the Annual Percentage rate of Charge.

BER = Building Energy Rating

Owner Occupier rates

Owner Occupier rates are effective from 26 November 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.

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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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.