Bank of Ireland Mortgage Rates

Last update: 14/12/2016 00:08:03
mortgage type name fixed or variable ltv rule product ltv description apr interest rate percentage
First Time Buyer fixed <=60% 1 Year LTV <=60% 3.9 3.40
First Time Buyer fixed 61%-80% 1 Year LTV 61%-80% 4.2 3.40
First Time Buyer fixed >80% 1 Year LTV >80% 4.5 3.55
First Time Buyer fixed <=60% 2 Year LTV <=60% 3.9 3.25
First Time Buyer fixed 61%-80% 2 Year LTV 61%-80% 4.1 3.25
First Time Buyer fixed >80% 2 Year LTV >80% 4.4 3.55
First Time Buyer fixed <=60% 3 Year LTV <=60% 3.7 3.10
First Time Buyer fixed 61%-80% 3 Year LTV 61%-80% 4.0 3.10
First Time Buyer fixed >80% 3 Year LTV >80% 4.3 3.45
First Time Buyer fixed <=60% 5 Year LTV <=60% 3.7 3.30
First Time Buyer fixed 61%-80% 5 Year LTV 61%-80% 3.9 3.30
First Time Buyer fixed >80% 5 Year LTV >80% 4.1 3.55
First Time Buyer fixed <=60% 10 Year LTV <=60% 4.0 3.95
First Time Buyer fixed 61%-80% 10 Year LTV 61%-80% 4.1 3.95
First Time Buyer fixed >80% 10 Year LTV >80% 4.4 4.20
First Time Buyer variable <=60% Variable LTV <=60% 4.0 3.90
First Time Buyer variable 61%-80% Variable LTV 61%-80% 4.3 4.20
First Time Buyer variable >80% Variable LTV >80% 4.6 4.50
Mover fixed <=60% 1 Year LTV <=60% 3.9 3.40
Mover fixed 61%-80% 1 Year LTV 61%-80% 4.2 3.40
Mover fixed >80% 1 Year LTV >80% 4.5 3.55
Mover fixed <=60% 2 Year LTV <=60% 3.9 3.25
Mover fixed 61%-80% 2 Year LTV 61%-80% 4.1 3.25
Mover fixed >80% 2 Year LTV >80% 4.4 3.55
Mover fixed <=60% 3 Year LTV <=60% 3.7 3.10
Mover fixed 61%-80% 3 Year LTV 61%-80% 4.0 3.10
Mover fixed >80% 3 Year LTV >80% 4.3 3.45
Mover fixed <=60% 5 Year LTV <=60% 3.7 3.30
Mover fixed 61%-80% 5 Year LTV 61%-80% 3.9 3.30
Mover fixed >80% 5 Year LTV >80% 4.1 3.55
Mover fixed <=60% 10 Year LTV <=60% 4.0 3.95
Mover fixed 61%-80% 10 Year LTV 61%-80% 4.1 3.95
Mover fixed >80% 10 Year LTV >80% 4.4 4.20
Mover variable <=60% Variable LTV <=60% 4.0 3.90
Mover variable 61%-80% Variable LTV 61%-80% 4.3 4.20
Mover variable >80% Variable LTV >80% 4.6 4.50
Investor fixed <50% 1 Year LTV <50% 5.1 4.75
Investor fixed 50% - 75% 1 Year LTV 50% - 75% 5.3 4.99
Investor fixed <50% 1 Year LTV <50% 5.2 4.90
Investor fixed 50% - 75% 2 Year LTV 50% - 75% 5.4 5.10
Investor variable <50% Variable LTV <50% 4.9 4.60
Investor variable 50% - 75% Variable LTV 50% - 75% 5.1 4.80
Investor roll to variable Roll to Variable LTV 4.9 4.80
Switcher fixed <=60% 1 Year LTV <=60% 3.9 3.40
Switcher fixed 61%-80% 1 Year LTV 61%-80% 4.2 3.40
Switcher fixed >80% 1 Year LTV >80% 4.5 3.55
Switcher fixed <=60% 2 Year LTV <=60% 3.9 3.25
Switcher fixed 61%-80% 2 Year LTV 61%-80% 4.1 3.25
Switcher fixed >80% 2 Year LTV >80% 4.4 3.55
Switcher fixed <=60% 3 Year LTV <=60% 3.7 3.10
Switcher fixed 61%-80% 3 Year LTV 61%-80% 4.0 3.10
Switcher fixed >80% 3 Year LTV >80% 4.3 3.45
Switcher fixed <=60% 5 Year LTV <=60% 3.7 3.30
Switcher fixed 61%-80% 5 Year LTV 61%-80% 3.9 3.30
Switcher fixed >80% 5 Year LTV >80% 4.1 3.55
Switcher fixed <=60% 10 Year LTV <=60% 4.0 3.95
Switcher fixed 61%-80% 10 Year LTV 61%-80% 4.1 3.95
Switcher fixed >80% 10 Year LTV >80% 4.4 4.20
Switcher variable <=60% Variable LTV <=60% 4.0 3.90
Switcher variable 61%-80% Variable LTV 61%-80% 4.3 4.20
Switcher variable >80% Variable LTV >80% 4.6 4.50
Existing fixed <=60% 1 Year LTV <=60% 3.9 3.40
Existing fixed 61%-80% 1 Year LTV 61%-80% 4.2 3.40
Existing fixed >80% 1 Year LTV >80% 4.5 3.55
Existing fixed <=60% 2 Year LTV <=60% 3.8 3.25
Existing fixed 61%-80% 2 Year LTV 61%-80% 4.1 3.25
Existing fixed >80% 2 Year LTV >80% 4.4 3.55
Existing fixed <=60% 3 Year LTV <=60% 3.7 3.10
Existing fixed 61%-80% 3 Year LTV 61%-80% 3.9 3.10
Existing fixed >80% 3 Year LTV >80% 4.2 3.45
Existing fixed <=60% 5 Year LTV <=60% 3.7 3.30
Existing fixed 61%-80% 5 Year LTV 61%-80% 3.8 3.30
Existing fixed >80% 5 Year LTV >80% 4.1 3.55
Existing fixed <=60% 10 Year LTV <=60% 4.0 3.95
Existing fixed 61%-80% 10 Year LTV 61%-80% 4.1 3.95
Existing fixed >80% 10 Year LTV >80% 4.3 4.20
Existing variable <=60% Variable LTV <=60% 4.0 3.90
Existing variable 61%-80% Variable LTV 61%-80% 4.3 4.20
Existing variable >80% Variable LTV >80% 4.6 4.50

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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 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.

Mortgage applicants must be over 18.

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.
If a Mortgage rate is variable:
Warning: The cost of your monthly repayments may increase.
LTV – Loan to Value APRC – Annual Percentage rate of Charge BTL – Buy To Let