I'm interested in rates for

Mortgage Rates rates

If you are a first time buyer you can opt for a variable rate, a fixed rate or a twin rate which is a mix of both fixed and variable.  For more information on rates please see our Rates Masterclass.

LTV – Loan to Value               APRC – Annual Percentage Rate of Charge

Product: LTV
Interest Rate
APRC
Roll-to Variable - LTV <=60%
3.90%
4.0%
Variable BTL (LTV < 50%)
4.60%
4.9%
Variable BTL (LTV 50% - 75%)
4.80%
5.1%
Roll-to Variable
4.80%
4.9%
Roll-to Variable - LTV 61%-80%
4.20%
4.3%
Variable (LTV <=60%)
3.90%
4.0%
Roll-to Variable - LTV >80%
4.50%
4.6%
Variable (LTV 61% - 80%)
4.20%
4.3%
Variable (LTV >80%)
4.50%
4.6%
1 Year Fixed LTV <=60%
3.40%
3.9%
1 Year Fixed <=60%
3.40%
3.9%
1 Year Fixed LTV 61%-80%
3.40%
4.2%
1 Year Fixed LTV 61%-80%
3.40%
4.2%
2 Year Fixed LTV <50%
4.75%
5.1%
1 Year Fixed LTV >80%
3.55%
4.5%
1 Year Fixed LTV >80%
3.55%
4.5%
2 Year Fixed LTV 50% - 75%
4.99%
5.3%
5 Year Fixed LTV <50%
4.90%
5.2%
2 Year Fixed LTV <=60%
3.25%
3.8%
2 Year Fixed LTV <=60%
3.25%
3.9%
5 Year Fixed LTV 50% - 75%
5.10%
5.4%
2 Year Fixed LTV 61%-80%
3.25%
4.1%
2 Year Fixed LTV 61%-80%
3.25%
4.1%
2 Year Fixed LTV >80%
3.55%
4.4%
2 Year Fixed LTV >80%
3.55%
4.4%
3 Year Fixed LTV <=60%
3.10%
3.7%
3 Year Fixed LTV <=60%
3.10%
3.7%
3 Year Fixed LTV 61%-80%
3.10%
4.0%
3 Year Fixed LTV 61%-80%
3.10%
3.9%
3 Year Fixed LTV >80%
3.45%
4.3%
3 Year Fixed LTV >80%
3.45%
4.2%
5 Year Fixed LTV <=60%
3.30%
3.7%
5 Year Fixed LTV <=60%
3.30%
3.7%
5 Year Fixed LTV 61%-80%
3.80%
4.1%
5 Year Fixed LTV 61%-80%
3.30%
3.8%
5 Year Fixed LTV 61%-80%
3.30%
3.9%
5 Year Fixed LTV >80%
3.55%
4.1%
5 Year Fixed LTV >80%
3.55%
4.1%
10 Year Fixed LTV <=60%
3.95%
4.0%
10 Year Fixed LTV <=60%
3.95%
4.0%
10 Year Fixed LTV 61%-80%
3.95%
4.1%
10 Year Fixed LTV 61%-80%
3.95%
4.1%
10 Year Fixed LTV >80%
4.20%
4.4%
10 Year Fixed LTV >80%
4.20%
4.3%

Owner Occupier rates are effective from 23rd August 2016 and are subject to change. These rates are provided for information only. At the end of the fixed rate period, existing customers on a fixed rate can choose from our range of fixed rate options or roll to the prevailing LTV Variable rates. Existing Customers on a variable rate can choose from our range of fixed rates.

To avail of any of our lower fixed rate options (LTVs <=80%), a full property valuation report may need to be provided.

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 €615.79 per month at 4.2% 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 €148,114.60. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value up to €220,000 for first time buyers). A 1% interest rate rise would increase monthly repayments by €54.02 per month.

Buy to Let new business rates are effective from the 17th September 2015. All new business rates are subject to change and are provided for information purposes only.

At the end of the fixed rate period, existing customers on a fixed rate can choose from our range of fixed rate options or roll to the prevailing New Business Variable rates. Existing customers on a variable rate can choose from our range of fixed rates. To avail of any of our lower fixed rate options a full property valuation report will need to be provided.

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 €647.91 per month at 4.8% 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 €157,016.90. 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 €55.43 per month.

Information correct as at 17th September 2015.

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 in the future.

LTV - Loan to Value APRC - Annual Percentage rate of Charge BTL - Buy To Let

Talk to an Advisor

You can do a full mortgage application over the phone or at a branch.

Are you ready to apply for a mortgage? Book an Appointment now

Phone Appointment with a Mortgage Advisor

If you would like to book a Phone Appointment and speak with a Mortgage Advisor over the phone.

Book Phone Appointment

Book a Skype/Facetime appointment

If you would like to book a Facetime or Skype Appointment with a Mortgage Advisor.

Book Facetime/Skype Appointment

Branch & Mobile Mortgage Manager Appointment

If you would like to meet a Mortgage Advisor in person in branch or at a location convenient to you.

Book Branch Appointment