Mortgage rates table
Choose your mortgage type and Building Energy Rating (BER) to see which rates are available to you.
Please note: Rates for existing customers are only available to you if you already have a Bank of Ireland mortgage and wish to choose a fixed rate. If you’re an existing customer looking to move property or apply for an equity release, select ‘Mover’ in the ‘Mortgage type’ filter.
Variable rate policy statement PDF
Last update: 26/11/2025 08:17:48
|
mortgage type name
|
BER
|
Product Description
|
fixed or variable
|
Interest Rate
|
*APR
|
|---|
| First Time Buyer | A | 1 Year HVM BER A | fixed | 3.3 | 4.2 |
| First Time Buyer | B | 1 Year HVM BER B | fixed | 3.35 | 4.2 |
| First Time Buyer | C | 1 Year HVM BER C | fixed | 3.4 | 4.2 |
| First Time Buyer | D | 1 Year HVM BER D | fixed | 3.45 | 4.2 |
| First Time Buyer | E | 1 Year HVM BER E | fixed | 3.5 | 4.2 |
| First Time Buyer | F | 1 Year HVM BER F | fixed | 3.55 | 4.2 |
| First Time Buyer | G | 1 Year HVM BER G | fixed | 3.6 | 4.2 |
| First Time Buyer | BER Exempt | 1 Year HVM BER Exempt | fixed | 3.65 | 4.2 |
| First Time Buyer | A | 2 Year Fixed BER A | fixed | 3.8 | 4.2 |
| First Time Buyer | B | 2 Year Fixed BER B | fixed | 3.85 | 4.2 |
| First Time Buyer | C | 2 Year Fixed BER C | fixed | 3.9 | 4.2 |
| First Time Buyer | D | 2 Year Fixed BER D | fixed | 3.95 | 4.2 |
| First Time Buyer | E | 2 Year Fixed BER E | fixed | 4 | 4.2 |
| First Time Buyer | F | 2 Year Fixed BER F | fixed | 4.05 | 4.2 |
| First Time Buyer | G | 2 Year Fixed BER G | fixed | 4.1 | 4.2 |
| First Time Buyer | BER Exempt | 2 Year Fixed BER Exempt | fixed | 4.15 | 4.3 |
| First Time Buyer | A | 3 Year Fixed BER A | fixed | 3.9 | 4.2 |
| First Time Buyer | B | 3 Year Fixed BER B | fixed | 3.95 | 4.2 |
| First Time Buyer | C | 3 Year Fixed BER C | fixed | 4 | 4.2 |
| First Time Buyer | D | 3 Year Fixed BER D | fixed | 4.05 | 4.2 |
| First Time Buyer | E | 3 Year Fixed BER E | fixed | 4.1 | 4.2 |
| First Time Buyer | F | 3 Year Fixed BER F | fixed | 4.15 | 4.3 |
| First Time Buyer | G | 3 Year Fixed BER G | fixed | 4.2 | 4.3 |
| First Time Buyer | BER Exempt | 3 Year Fixed BER Exempt | fixed | 4.25 | 4.4 |
| First Time Buyer | A | 5 Year Fixed BER A | fixed | 3.9 | 4.1 |
| First Time Buyer | B | 5 Year Fixed BER B | fixed | 3.95 | 4.2 |
| First Time Buyer | C | 5 Year Fixed BER C | fixed | 4 | 4.2 |
| First Time Buyer | D | 5 Year Fixed BER D | fixed | 4.05 | 4.2 |
| First Time Buyer | E | 5 Year Fixed BER E | fixed | 4.1 | 4.2 |
| First Time Buyer | F | 5 Year Fixed BER F | fixed | 4.15 | 4.3 |
| First Time Buyer | G | 5 Year Fixed BER G | fixed | 4.2 | 4.3 |
| First Time Buyer | BER Exempt | 5 Year Fixed BER Exempt | fixed | 4.25 | 4.4 |
| First Time Buyer | A | 4 Year HVM BER A | fixed | 3.1 | 3.8 |
| First Time Buyer | B | 4 Year HVM BER B | fixed | 3.15 | 3.8 |
| First Time Buyer | C | 4 Year HVM BER C | fixed | 3.2 | 3.9 |
| First Time Buyer | D | 4 Year HVM BER D | fixed | 3.25 | 3.9 |
| First Time Buyer | E | 4 Year HVM BER E | fixed | 3.3 | 3.9 |
| First Time Buyer | F | 4 Year HVM BER F | fixed | 3.35 | 3.9 |
| First Time Buyer | G | 4 Year HVM BER G | fixed | 3.4 | 3.9 |
| First Time Buyer | BER Exempt | 4 Year HVM BER Exempt | fixed | 3.45 | 4 |
| First Time Buyer | A | 5 Year HVM BER A | fixed | 3.4 | 3.9 |
| First Time Buyer | B | 5 Year HVM BER B | fixed | 3.45 | 3.9 |
| First Time Buyer | C | 5 Year HVM BER C | fixed | 3.5 | 3.9 |
| First Time Buyer | D | 5 Year HVM BER D | fixed | 3.55 | 4 |
| First Time Buyer | E | 5 Year HVM BER E | fixed | 3.6 | 4 |
| First Time Buyer | F | 5 Year HVM BER F | fixed | 3.65 | 4 |
| First Time Buyer | G | 5 Year HVM BER G | fixed | 3.7 | 4 |
| First Time Buyer | BER Exempt | 5 Year HVM BER Exempt | fixed | 3.75 | 4.1 |
| First Time Buyer | A | 7 Year HVM BER A | fixed | 3.45 | 3.8 |
| First Time Buyer | B | 7 Year HVM BER B | fixed | 3.5 | 3.8 |
| First Time Buyer | C | 7 Year HVM BER C | fixed | 3.55 | 3.9 |
| First Time Buyer | D | 7 Year HVM BER D | fixed | 3.6 | 3.9 |
| First Time Buyer | E | 7 Year HVM BER E | fixed | 3.65 | 3.9 |
| First Time Buyer | F | 7 Year HVM BER F | fixed | 3.7 | 4 |
| First Time Buyer | G | 7 Year HVM BER G | fixed | 3.75 | 4 |
| First Time Buyer | BER Exempt | 7 Year HVM BER Exempt | fixed | 3.8 | 4 |
| First Time Buyer | A | 10 Year Fixed BER A | fixed | 4.2 | 4.3 |
| First Time Buyer | B | 10 Year Fixed BER B | fixed | 4.25 | 4.4 |
| First Time Buyer | C | 10 Year Fixed BER C | fixed | 4.3 | 4.4 |
| First Time Buyer | D | 10 Year Fixed BER D | fixed | 4.35 | 4.5 |
| First Time Buyer | E | 10 Year Fixed BER E | fixed | 4.4 | 4.5 |
| First Time Buyer | F | 10 Year Fixed BER F | fixed | 4.45 | 4.6 |
| First Time Buyer | G | 10 Year Fixed BER G | fixed | 4.5 | 4.6 |
| First Time Buyer | BER Exempt | 10 Year Fixed BER Exempt | fixed | 4.55 | 4.7 |
| First Time Buyer | A | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | B | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | C | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | D | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | E | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | F | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | G | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | BER Exempt | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | A | 1 Year HVM BER A | fixed | 3.3 | 4.2 |
| Switcher | B | 1 Year HVM BER B | fixed | 3.35 | 4.2 |
| Switcher | C | 1 Year HVM BER C | fixed | 3.4 | 4.2 |
| Switcher | D | 1 Year HVM BER D | fixed | 3.45 | 4.2 |
| Switcher | E | 1 Year HVM BER E | fixed | 3.5 | 4.2 |
| Switcher | F | 1 Year HVM BER F | fixed | 3.55 | 4.2 |
| Switcher | G | 1 Year HVM BER G | fixed | 3.6 | 4.2 |
| Switcher | BER Exempt | 1 Year HVM BER Exempt | fixed | 3.65 | 4.2 |
| Switcher | A | 2 Year Fixed BER A | fixed | 3.8 | 4.2 |
| Switcher | B | 2 Year Fixed BER B | fixed | 3.85 | 4.2 |
| Switcher | C | 2 Year Fixed BER C | fixed | 3.9 | 4.2 |
| Switcher | D | 2 Year Fixed BER D | fixed | 3.95 | 4.2 |
| Switcher | E | 2 Year Fixed BER E | fixed | 4 | 4.2 |
| Switcher | F | 2 Year Fixed BER F | fixed | 4.05 | 4.2 |
| Switcher | G | 2 Year Fixed BER G | fixed | 4.1 | 4.2 |
| Switcher | BER Exempt | 2 Year Fixed BER Exempt | fixed | 4.15 | 4.3 |
| Switcher | A | 3 Year Fixed BER A | fixed | 3.9 | 4.2 |
| Switcher | B | 3 Year Fixed BER B | fixed | 3.95 | 4.2 |
| Switcher | C | 3 Year Fixed BER C | fixed | 4 | 4.2 |
| Switcher | D | 3 Year Fixed BER D | fixed | 4.05 | 4.2 |
| Switcher | E | 3 Year Fixed BER E | fixed | 4.1 | 4.2 |
| Switcher | F | 3 Year Fixed BER F | fixed | 4.15 | 4.3 |
| Switcher | G | 3 Year Fixed BER G | fixed | 4.2 | 4.3 |
| Switcher | BER Exempt | 3 Year Fixed BER Exempt | fixed | 4.25 | 4.4 |
| Switcher | A | 5 Year Fixed BER A | fixed | 3.9 | 4.1 |
| Switcher | B | 5 Year Fixed BER B | fixed | 3.95 | 4.2 |
| Switcher | C | 5 Year Fixed BER C | fixed | 4 | 4.2 |
| Switcher | D | 5 Year Fixed BER D | fixed | 4.05 | 4.2 |
| Switcher | E | 5 Year Fixed BER E | fixed | 4.1 | 4.2 |
| Switcher | F | 5 Year Fixed BER F | fixed | 4.15 | 4.3 |
| Switcher | G | 5 Year Fixed BER G | fixed | 4.2 | 4.3 |
| Switcher | BER Exempt | 5 Year Fixed BER Exempt | fixed | 4.25 | 4.4 |
| Switcher | A | 4 Year HVM BER A | fixed | 3.1 | 3.8 |
| Switcher | B | 4 Year HVM BER B | fixed | 3.15 | 3.8 |
| Switcher | C | 4 Year HVM BER C | fixed | 3.2 | 3.9 |
| Switcher | D | 4 Year HVM BER D | fixed | 3.25 | 3.9 |
| Switcher | E | 4 Year HVM BER E | fixed | 3.3 | 3.9 |
| Switcher | F | 4 Year HVM BER F | fixed | 3.35 | 3.9 |
| Switcher | G | 4 Year HVM BER G | fixed | 3.4 | 3.9 |
| Switcher | BER Exempt | 4 Year HVM BER Exempt | fixed | 3.45 | 4 |
| Switcher | A | 5 Year HVM BER A | fixed | 3.4 | 3.9 |
| Switcher | B | 5 Year HVM BER B | fixed | 3.45 | 3.9 |
| Switcher | C | 5 Year HVM BER C | fixed | 3.5 | 3.9 |
| Switcher | D | 5 Year HVM BER D | fixed | 3.55 | 4 |
| Switcher | E | 5 Year HVM BER E | fixed | 3.6 | 4 |
| Switcher | F | 5 Year HVM BER F | fixed | 3.65 | 4 |
| Switcher | G | 5 Year HVM BER G | fixed | 3.7 | 4 |
| Switcher | BER Exempt | 5 Year HVM BER Exempt | fixed | 3.75 | 4.1 |
| Switcher | A | 7 Year HVM BER A | fixed | 3.45 | 3.8 |
| Switcher | B | 7 Year HVM BER B | fixed | 3.5 | 3.8 |
| Switcher | C | 7 Year HVM BER C | fixed | 3.55 | 3.9 |
| Switcher | D | 7 Year HVM BER D | fixed | 3.6 | 3.9 |
| Switcher | E | 7 Year HVM BER E | fixed | 3.65 | 3.9 |
| Switcher | F | 7 Year HVM BER F | fixed | 3.7 | 4 |
| Switcher | G | 7 Year HVM BER G | fixed | 3.75 | 4 |
| Switcher | BER Exempt | 7 Year HVM BER Exempt | fixed | 3.8 | 4 |
| Switcher | A | 10 Year Fixed BER A | fixed | 4.2 | 4.3 |
| Switcher | B | 10 Year Fixed BER B | fixed | 4.25 | 4.4 |
| Switcher | C | 10 Year Fixed BER C | fixed | 4.3 | 4.4 |
| Switcher | D | 10 Year Fixed BER D | fixed | 4.35 | 4.5 |
| Switcher | E | 10 Year Fixed BER E | fixed | 4.4 | 4.5 |
| Switcher | F | 10 Year Fixed BER F | fixed | 4.45 | 4.6 |
| Switcher | G | 10 Year Fixed BER G | fixed | 4.5 | 4.6 |
| Switcher | BER Exempt | 10 Year Fixed BER Exempt | fixed | 4.55 | 4.7 |
| Switcher | A | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | B | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | C | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | D | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | E | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | F | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | G | Standard Variable | variable | 4.15 | 4.3 |
| Switcher | BER Exempt | Standard Variable | variable | 4.15 | 4.3 |
| Mover | A | 1 Year HVM BER A | fixed | 3.3 | 4.2 |
| Mover | B | 1 Year HVM BER B | fixed | 3.35 | 4.2 |
| Mover | C | 1 Year HVM BER C | fixed | 3.4 | 4.2 |
| Mover | D | 1 Year HVM BER D | fixed | 3.45 | 4.2 |
| Mover | E | 1 Year HVM BER E | fixed | 3.5 | 4.2 |
| Mover | F | 1 Year HVM BER F | fixed | 3.55 | 4.2 |
| Mover | G | 1 Year HVM BER G | fixed | 3.6 | 4.2 |
| Mover | BER Exempt | 1 Year HVM BER Exempt | fixed | 3.65 | 4.2 |
| Mover | A | 2 Year Fixed BER A | fixed | 3.8 | 4.2 |
| Mover | B | 2 Year Fixed BER B | fixed | 3.85 | 4.2 |
| Mover | C | 2 Year Fixed BER C | fixed | 3.9 | 4.2 |
| Mover | D | 2 Year Fixed BER D | fixed | 3.95 | 4.2 |
| Mover | E | 2 Year Fixed BER E | fixed | 4 | 4.2 |
| Mover | F | 2 Year Fixed BER F | fixed | 4.05 | 4.2 |
| Mover | G | 2 Year Fixed BER G | fixed | 4.1 | 4.2 |
| Mover | BER Exempt | 2 Year Fixed BER Exempt | fixed | 4.15 | 4.3 |
| Mover | A | 3 Year Fixed BER A | fixed | 3.9 | 4.2 |
| Mover | B | 3 Year Fixed BER B | fixed | 3.95 | 4.2 |
| Mover | C | 3 Year Fixed BER C | fixed | 4 | 4.2 |
| Mover | D | 3 Year Fixed BER D | fixed | 4.05 | 4.2 |
| Mover | E | 3 Year Fixed BER E | fixed | 4.1 | 4.2 |
| Mover | F | 3 Year Fixed BER F | fixed | 4.15 | 4.3 |
| Mover | G | 3 Year Fixed BER G | fixed | 4.2 | 4.3 |
| Mover | BER Exempt | 3 Year Fixed BER Exempt | fixed | 4.25 | 4.4 |
| Mover | A | 5 Year Fixed BER A | fixed | 3.9 | 4.1 |
| Mover | B | 5 Year Fixed BER B | fixed | 3.95 | 4.2 |
| Mover | C | 5 Year Fixed BER C | fixed | 4 | 4.2 |
| Mover | D | 5 Year Fixed BER D | fixed | 4.05 | 4.2 |
| Mover | E | 5 Year Fixed BER E | fixed | 4.1 | 4.2 |
| Mover | F | 5 Year Fixed BER F | fixed | 4.15 | 4.3 |
| Mover | G | 5 Year Fixed BER G | fixed | 4.2 | 4.3 |
| Mover | BER Exempt | 5 Year Fixed BER Exempt | fixed | 4.25 | 4.4 |
| Mover | A | 4 Year HVM BER A | fixed | 3.1 | 3.8 |
| Mover | B | 4 Year HVM BER B | fixed | 3.15 | 3.8 |
| Mover | C | 4 Year HVM BER C | fixed | 3.2 | 3.9 |
| Mover | D | 4 Year HVM BER D | fixed | 3.25 | 3.9 |
| Mover | E | 4 Year HVM BER E | fixed | 3.3 | 3.9 |
| Mover | F | 4 Year HVM BER F | fixed | 3.35 | 3.9 |
| Mover | G | 4 Year HVM BER G | fixed | 3.4 | 3.9 |
| Mover | BER Exempt | 4 Year HVM BER Exempt | fixed | 3.45 | 4 |
| Mover | A | 5 Year HVM BER A | fixed | 3.4 | 3.9 |
| Mover | B | 5 Year HVM BER B | fixed | 3.45 | 3.9 |
| Mover | C | 5 Year HVM BER C | fixed | 3.5 | 3.9 |
| Mover | D | 5 Year HVM BER D | fixed | 3.55 | 4 |
| Mover | E | 5 Year HVM BER E | fixed | 3.6 | 4 |
| Mover | F | 5 Year HVM BER F | fixed | 3.65 | 4 |
| Mover | G | 5 Year HVM BER G | fixed | 3.7 | 4 |
| Mover | BER Exempt | 5 Year HVM BER Exempt | fixed | 3.75 | 4.1 |
| Mover | A | 7 Year HVM BER A | fixed | 3.45 | 3.8 |
| Mover | B | 7 Year HVM BER B | fixed | 3.5 | 3.8 |
| Mover | C | 7 Year HVM BER C | fixed | 3.55 | 3.9 |
| Mover | D | 7 Year HVM BER D | fixed | 3.6 | 3.9 |
| Mover | E | 7 Year HVM BER E | fixed | 3.65 | 3.9 |
| Mover | F | 7 Year HVM BER F | fixed | 3.7 | 4 |
| Mover | G | 7 Year HVM BER G | fixed | 3.75 | 4 |
| Mover | BER Exempt | 7 Year HVM BER Exempt | fixed | 3.8 | 4 |
| Mover | A | 10 Year Fixed BER A | fixed | 4.2 | 4.3 |
| Mover | B | 10 Year Fixed BER B | fixed | 4.25 | 4.4 |
| Mover | C | 10 Year Fixed BER C | fixed | 4.3 | 4.4 |
| Mover | D | 10 Year Fixed BER D | fixed | 4.35 | 4.5 |
| Mover | E | 10 Year Fixed BER E | fixed | 4.4 | 4.5 |
| Mover | F | 10 Year Fixed BER F | fixed | 4.45 | 4.6 |
| Mover | G | 10 Year Fixed BER G | fixed | 4.5 | 4.6 |
| Mover | BER Exempt | 10 Year Fixed BER Exempt | fixed | 4.55 | 4.7 |
| Mover | A | Standard Variable | variable | 4.15 | 4.3 |
| Mover | B | Standard Variable | variable | 4.15 | 4.3 |
| Mover | C | Standard Variable | variable | 4.15 | 4.3 |
| Mover | D | Standard Variable | variable | 4.15 | 4.3 |
| Mover | E | Standard Variable | variable | 4.15 | 4.3 |
| Mover | F | Standard Variable | variable | 4.15 | 4.3 |
| Mover | G | Standard Variable | variable | 4.15 | 4.3 |
| Mover | BER Exempt | Standard Variable | variable | 4.15 | 4.3 |
| Existing | A | 1 Year Fixed BER A | fixed | 3.3 | 4.2 |
| Existing | B | 1 Year Fixed BER B | fixed | 3.35 | 4.2 |
| Existing | C | 1 Year Fixed BER C | fixed | 3.4 | 4.2 |
| Existing | D | 1 Year Fixed BER D | fixed | 3.45 | 4.2 |
| Existing | E | 1 Year Fixed BER E | fixed | 3.5 | 4.2 |
| Existing | F | 1 Year Fixed BER F | fixed | 3.55 | 4.2 |
| Existing | G | 1 Year Fixed BER G | fixed | 3.6 | 4.2 |
| Existing | BER Exempt | 1 Year Fixed BER Exempt | fixed | 3.65 | 4.2 |
| Existing | No BER | 1 Year Fixed No BER | fixed | 3.65 | 4.2 |
| Existing | A | 2 Year Fixed BER A | fixed | 3.3 | 4.1 |
| Existing | B | 2 Year Fixed BER B | fixed | 3.35 | 4.1 |
| Existing | C | 2 Year Fixed BER C | fixed | 3.4 | 4.1 |
| Existing | D | 2 Year Fixed BER D | fixed | 3.45 | 4.1 |
| Existing | E | 2 Year Fixed BER E | fixed | 3.5 | 4.1 |
| Existing | F | 2 Year Fixed BER F | fixed | 3.55 | 4.1 |
| Existing | G | 2 Year Fixed BER G | fixed | 3.6 | 4.1 |
| Existing | BER Exempt | 2 Year Fixed BER Exempt | fixed | 3.65 | 4.1 |
| Existing | No BER | 2 Year Fixed No BER | fixed | 3.65 | 4.1 |
| Existing | A | 3 Year Fixed BER A | fixed | 3.4 | 4 |
| Existing | B | 3 Year Fixed BER B | fixed | 3.45 | 4 |
| Existing | C | 3 Year Fixed BER C | fixed | 3.5 | 4 |
| Existing | D | 3 Year Fixed BER D | fixed | 3.55 | 4.1 |
| Existing | E | 3 Year Fixed BER E | fixed | 3.6 | 4.1 |
| Existing | F | 3 Year Fixed BER F | fixed | 3.65 | 4.1 |
| Existing | G | 3 Year Fixed BER G | fixed | 3.7 | 4.1 |
| Existing | BER Exempt | 3 Year Fixed BER Exempt | fixed | 3.75 | 4.1 |
| Existing | No BER | 3 Year Fixed No BER | fixed | 3.75 | 4.1 |
| Existing | A | 4 Year Fixed BER A | fixed | 3.1 | 3.8 |
| Existing | B | 4 Year Fixed BER B | fixed | 3.15 | 3.8 |
| Existing | C | 4 Year Fixed BER C | fixed | 3.2 | 3.9 |
| Existing | D | 4 Year Fixed BER D | fixed | 3.25 | 3.9 |
| Existing | E | 4 Year Fixed BER E | fixed | 3.3 | 3.9 |
| Existing | F | 4 Year Fixed BER F | fixed | 3.35 | 3.9 |
| Existing | G | 4 Year Fixed BER G | fixed | 3.4 | 3.9 |
| Existing | BER Exempt | 4 Year Fixed BER Exempt | fixed | 3.45 | 4 |
| Existing | No BER | 4 Year Fixed No BER | fixed | 3.45 | 4 |
| Existing | A | 5 Year Fixed BER A | fixed | 3.4 | 3.9 |
| Existing | B | 5 Year Fixed BER B | fixed | 3.45 | 3.9 |
| Existing | C | 5 Year Fixed BER C | fixed | 3.5 | 3.9 |
| Existing | D | 5 Year Fixed BER D | fixed | 3.55 | 4 |
| Existing | E | 5 Year Fixed BER E | fixed | 3.6 | 4 |
| Existing | F | 5 Year Fixed BER F | fixed | 3.65 | 4 |
| Existing | G | 5 Year Fixed BER G | fixed | 3.7 | 4 |
| Existing | BER Exempt | 5 Year Fixed BER Exempt | fixed | 3.75 | 4.1 |
| Existing | No BER | 5 Year Fixed No BER | fixed | 3.75 | 4.1 |
| Existing | A | 10 Year Fixed BER A | fixed | 3.7 | 3.9 |
| Existing | B | 10 Year Fixed BER B | fixed | 3.75 | 3.9 |
| Existing | C | 10 Year Fixed BER C | fixed | 3.8 | 4 |
| Existing | D | 10 Year Fixed BER D | fixed | 3.85 | 4 |
| Existing | E | 10 Year Fixed BER E | fixed | 3.9 | 4.1 |
| Existing | F | 10 Year Fixed BER F | fixed | 3.95 | 4.1 |
| Existing | G | 10 Year Fixed BER G | fixed | 4 | 4.1 |
| Existing | BER Exempt | 10 Year Fixed BER Exempt | fixed | 4.05 | 4.2 |
| Existing | No BER | 10 Year Fixed No BER | fixed | 4.05 | 4.2 |
| Existing | A | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | B | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | C | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | D | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | E | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | F | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | G | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | BER Exempt | Standard Variable Rate | variable | 4.15 | 4.3 |
| Existing | No BER | Standard Variable Rate | variable | 4.15 | 4.3 |
| Investor - New | A | BTL 2 Year Fixed BER A | fixed | 5.65 | 6 |
| Investor - New | B | BTL 2 Year Fixed BER B | fixed | 5.7 | 6 |
| Investor - New | C | BTL 2 Year Fixed BER C | fixed | 5.75 | 6.1 |
| Investor - New | D | BTL 2 Year Fixed BER D | fixed | 5.8 | 6.1 |
| Investor - New | E | BTL 2 Year Fixed BER E | fixed | 5.85 | 6.2 |
| Investor - New | F | BTL 2 Year Fixed BER F | fixed | 5.9 | 6.3 |
| Investor - New | G | BTL 2 Year Fixed BER G | fixed | 5.95 | 6.3 |
| Investor - New | BER Exempt | BTL 2 Year Fixed BER Exempt | fixed | 6 | 6.4 |
| Investor - New | A | BTL 5 Year Fixed BER A | fixed | 5.8 | 6.1 |
| Investor - New | B | BTL 5 Year Fixed BER B | fixed | 5.85 | 6.2 |
| Investor - New | C | BTL 5 Year Fixed BER C | fixed | 5.9 | 6.3 |
| Investor - New | D | BTL 5 Year Fixed BER D | fixed | 5.95 | 6.3 |
| Investor - New | E | BTL 5 Year Fixed BER E | fixed | 6 | 6.4 |
| Investor - New | F | BTL 5 Year Fixed BER F | fixed | 6.05 | 6.4 |
| Investor - New | G | BTL 5 Year Fixed BER G | fixed | 6.1 | 6.5 |
| Investor - New | BER Exempt | BTL 5 Year Fixed BER Exempt | fixed | 6.15 | 6.5 |
| Investor - New | A | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | B | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | C | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | D | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | E | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | F | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | G | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - New | BER Exempt | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | A | BTL 2 Year Fixed BER A | fixed | 5.15 | 5.5 |
| Investor - Existing | B | BTL 2 Year Fixed BER B | fixed | 5.2 | 5.5 |
| Investor - Existing | C | BTL 2 Year Fixed BER C | fixed | 5.25 | 5.6 |
| Investor - Existing | D | BTL 2 Year Fixed BER D | fixed | 5.3 | 5.6 |
| Investor - Existing | E | BTL 2 Year Fixed BER E | fixed | 5.35 | 5.7 |
| Investor - Existing | F | BTL 2 Year Fixed BER F | fixed | 5.4 | 5.7 |
| Investor - Existing | G | BTL 2 Year Fixed BER G | fixed | 5.45 | 5.8 |
| Investor - Existing | BER Exempt | BTL 2 Year Fixed BER Exempt | fixed | 5.5 | 5.8 |
| Investor - Existing | No BER | BTL 2 Year Fixed No BER | fixed | 5.5 | 5.8 |
| Investor - Existing | A | BTL 5 Year Fixed BER A | fixed | 5.3 | 5.6 |
| Investor - Existing | B | BTL 5 Year Fixed BER B | fixed | 5.35 | 5.7 |
| Investor - Existing | C | BTL 5 Year Fixed BER C | fixed | 5.4 | 5.7 |
| Investor - Existing | D | BTL 5 Year Fixed BER D | fixed | 5.45 | 5.8 |
| Investor - Existing | E | BTL 5 Year Fixed BER E | fixed | 5.5 | 5.8 |
| Investor - Existing | F | BTL 5 Year Fixed BER F | fixed | 5.55 | 5.9 |
| Investor - Existing | G | BTL 5 Year Fixed BER G | fixed | 5.6 | 5.9 |
| Investor - Existing | BER Exempt | BTL 5 Year Fixed BER Exempt | fixed | 5.65 | 6 |
| Investor - Existing | No BER | BTL 5 Year Fixed No BER | fixed | 5.65 | 6 |
| Investor - Existing | A | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | B | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | C | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | D | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | E | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | F | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | G | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | BER Exempt | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | No BER | Standard Variable Rate | variable | 4.85 | 5.1 |
*APRC means Annual Percentage Rate of Change
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.
Important information: We are phasing out variable rates based on how the amount someone owed on their mortgage loan compared to the value of the property they have mortgaged which we call loan-to- value or LTV. This means that if you move to a fixed rate or a different variable rate, you will not be able to go back to an LTV-variable based rate in the future.
Lending against buy-to-let (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 to E.
Principal dwelling homes
Owner occupier rates are effective from 26 November 2025 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 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.
Buy-to-let
Buy-to-Let new business rates are effective from the 19 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 Mortgage Bank u.c. or Bank of Ireland. 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 Bank’s 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. 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.