Over the last year, people who’ve switched their mortgage to Bank of Ireland have discovered just how easy it is to do this. More importantly, they stand to gain an average cashback windfall of €9,600.
€9,600 is based on the average mortgage switched to Bank of Ireland, with 2% cashback paid on drawdown, and the remaining 1% cashback after five years.1
How would you use yours?
- Got grand designs on some home improvements?
- Want to put a little aside for a rainy day?
- Maybe paying off some bills is what you’ve got in mind?
However you choose to use your cashback, the Switcher team is here to help.
You can simply apply online now or call us on 0818 365 850. We’ll work out how much cashback you could get, and how much you can save by switching your mortgage to Bank of Ireland.
Get up to 3% Cashback
- Get 2% of your new mortgage back as cash after you switch and draw down your new 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 Owner-Occupier switchers who draw down their new mortgage by 31 December 2024.
If you switch 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 a standard variable rate.
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 switchers and you can borrow up to 90% of the property value. These limits can vary so come and talk to us.
Terms of up to 35 years are available to switchers.
Flexible repayment options
You’ll get access to a range of flexible repayment options.
Take a three month payment break or skip months. Make overpayments to save interest or reduce your term. Split your mortgage between fixed and variable rates, and choose from our rate options available to existing customers at the end of your fixed rate period. Find out more.
Switching isn’t just easy, it’s flexible.
It’s so easy to contact us to talk about mortgages
Are you ready to take the next step and get switched on to switching? We’re here to help you every step of the way.
Meet us in a branch
We have qualified mortgage specialists across our extensive nationwide branch network
We’ll call to your home
Our Mobile Mortgage Managers will meet you at a time and place that suits you
Interest Rates
We offer a wide range of fixed rate options ranging from 12 months to 10 years. 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: 18/04/2024 08:51:17
| mortgage type name | BER | Product Description | fixed or variable | Interest Rate | apr |
|---|---|---|---|---|---|
| First Time Buyer | A | 1 Year Fixed BER A | fixed | 4.3 | 4.4 |
| First Time Buyer | B | 2 Year Fixed BER B | fixed | 4.35 | 4.5 |
| Switcher | D | 5 Year Fixed BER D | fixed | 4.55 | 4.7 |
| Switcher | E | 5 Year Fixed BER E | fixed | 4.6 | 4.7 |
| Switcher | F | 5 Year Fixed BER F | fixed | 4.65 | 4.8 |
| Switcher | G | 5 Year Fixed BER G | fixed | 4.7 | 4.8 |
| Switcher | BER Exempt | 5 Year Fixed BER Exempt | fixed | 4.75 | 4.9 |
| Switcher | A | 4 Year HVM BER A | fixed | 3.6 | 4 |
| Switcher | B | 4 Year HVM BER B | fixed | 3.65 | 4 |
| Switcher | C | 4 Year HVM BER C | fixed | 3.7 | 4.1 |
| Switcher | D | 4 Year HVM BER D | fixed | 3.75 | 4.1 |
| Switcher | E | 4 Year HVM BER E | fixed | 3.8 | 4.1 |
| First Time Buyer | C | 2 Year Fixed BER C | fixed | 4.4 | 4.5 |
| Switcher | F | 4 Year HVM BER F | fixed | 3.85 | 4.1 |
| Switcher | G | 4 Year HVM BER G | fixed | 3.9 | 4.2 |
| Switcher | BER Exempt | 4 Year HVM BER Exempt | fixed | 3.95 | 4.2 |
| Switcher | A | 5 Year HVM BER A | fixed | 3.9 | 4.1 |
| Switcher | B | 5 Year HVM BER B | fixed | 3.95 | 4.2 |
| Switcher | C | 5 Year HVM BER C | fixed | 4 | 4.2 |
| Switcher | D | 5 Year HVM BER D | fixed | 4.05 | 4.2 |
| Switcher | E | 5 Year HVM BER E | fixed | 4.1 | 4.2 |
| Switcher | F | 5 Year HVM BER F | fixed | 4.15 | 4.3 |
| Switcher | G | 5 Year HVM BER G | fixed | 4.2 | 4.3 |
| First Time Buyer | D | 2 Year Fixed BER D | fixed | 4.45 | 4.6 |
| Switcher | BER Exempt | 5 Year HVM BER Exempt | fixed | 4.25 | 4.4 |
| Switcher | A | 7 Year HVM BER A | fixed | 3.95 | 4.1 |
| Switcher | B | 7 Year HVM BER B | fixed | 4 | 4.2 |
| Switcher | C | 7 Year HVM BER C | fixed | 4.05 | 4.2 |
| Switcher | D | 7 Year HVM BER D | fixed | 4.1 | 4.2 |
| Switcher | E | 7 Year HVM BER E | fixed | 4.15 | 4.3 |
| Switcher | F | 7 Year HVM BER F | fixed | 4.2 | 4.3 |
| Switcher | G | 7 Year HVM BER G | fixed | 4.25 | 4.4 |
| Switcher | BER Exempt | 7 Year HVM BER Exempt | fixed | 4.3 | 4.4 |
| Switcher | A | 10 Year Fixed BER A | fixed | 4.7 | 4.8 |
| First Time Buyer | E | 2 Year Fixed BER E | fixed | 4.5 | 4.6 |
| Switcher | B | 10 Year Fixed BER B | fixed | 4.75 | 4.9 |
| Switcher | C | 10 Year Fixed BER C | fixed | 4.8 | 4.9 |
| Switcher | D | 10 Year Fixed BER D | fixed | 4.85 | 5 |
| Switcher | E | 10 Year Fixed BER E | fixed | 4.9 | 5 |
| Switcher | F | 10 Year Fixed BER F | fixed | 4.95 | 5.1 |
| Switcher | G | 10 Year Fixed BER G | fixed | 5 | 5.1 |
| Switcher | BER Exempt | 10 Year Fixed BER Exempt | fixed | 5.05 | 5.2 |
| 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 |
| First Time Buyer | F | 2 Year Fixed BER F | fixed | 4.55 | 4.7 |
| 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 Fixed BER A | fixed | 4.3 | 4.4 |
| Mover | B | 1 Year Fixed BER B | fixed | 4.35 | 4.5 |
| Mover | C | 1 Year Fixed BER C | fixed | 4.4 | 4.5 |
| Mover | D | 1 Year Fixed BER D | fixed | 4.45 | 4.6 |
| Mover | E | 1 Year Fixed BER E | fixed | 4.5 | 4.6 |
| First Time Buyer | G | 2 Year Fixed BER G | fixed | 4.6 | 4.7 |
| Mover | F | 1 Year Fixed BER F | fixed | 4.55 | 4.7 |
| Mover | G | 1 Year Fixed BER G | fixed | 4.6 | 4.7 |
| Mover | BER Exempt | 1 Year Fixed BER Exempt | fixed | 4.65 | 4.8 |
| Mover | A | 2 Year Fixed BER A | fixed | 4.3 | 4.4 |
| Mover | B | 2 Year Fixed BER B | fixed | 4.35 | 4.5 |
| Mover | C | 2 Year Fixed BER C | fixed | 4.4 | 4.5 |
| Mover | D | 2 Year Fixed BER D | fixed | 4.45 | 4.6 |
| Mover | E | 2 Year Fixed BER E | fixed | 4.5 | 4.6 |
| Mover | F | 2 Year Fixed BER F | fixed | 4.55 | 4.7 |
| Mover | G | 2 Year Fixed BER G | fixed | 4.6 | 4.7 |
| First Time Buyer | BER Exempt | 2 Year Fixed BER Exempt | fixed | 4.65 | 4.8 |
| Mover | BER Exempt | 2 Year Fixed BER Exempt | fixed | 4.65 | 4.8 |
| Mover | A | 3 Year Fixed BER A | fixed | 4.4 | 4.5 |
| Mover | B | 3 Year Fixed BER B | fixed | 4.45 | 4.6 |
| Mover | C | 3 Year Fixed BER C | fixed | 4.5 | 4.6 |
| Mover | D | 3 Year Fixed BER D | fixed | 4.55 | 4.7 |
| Mover | E | 3 Year Fixed BER E | fixed | 4.6 | 4.7 |
| Mover | F | 3 Year Fixed BER F | fixed | 4.65 | 4.8 |
| Mover | G | 3 Year Fixed BER G | fixed | 4.7 | 4.8 |
| Mover | BER Exempt | 3 Year Fixed BER Exempt | fixed | 4.75 | 4.9 |
| Mover | A | 5 Year Fixed BER A | fixed | 4.4 | 4.5 |
| First Time Buyer | A | 3 Year Fixed BER A | fixed | 4.4 | 4.5 |
| Mover | B | 5 Year Fixed BER B | fixed | 4.45 | 4.6 |
| Mover | C | 5 Year Fixed BER C | fixed | 4.5 | 4.6 |
| Mover | D | 5 Year Fixed BER D | fixed | 4.55 | 4.7 |
| Mover | E | 5 Year Fixed BER E | fixed | 4.6 | 4.7 |
| Mover | F | 5 Year Fixed BER F | fixed | 4.65 | 4.8 |
| Mover | G | 5 Year Fixed BER G | fixed | 4.7 | 4.8 |
| Mover | BER Exempt | 5 Year Fixed BER Exempt | fixed | 4.75 | 4.9 |
| Mover | A | 4 Year HVM BER A | fixed | 3.6 | 4 |
| Mover | B | 4 Year HVM BER B | fixed | 3.65 | 4 |
| Mover | C | 4 Year HVM BER C | fixed | 3.7 | 4.1 |
| First Time Buyer | B | 3 Year Fixed BER B | fixed | 4.45 | 4.6 |
| Mover | D | 4 Year HVM BER D | fixed | 3.75 | 4.1 |
| Mover | E | 4 Year HVM BER E | fixed | 3.8 | 4.1 |
| Mover | F | 4 Year HVM BER F | fixed | 3.85 | 4.1 |
| Mover | G | 4 Year HVM BER G | fixed | 3.9 | 4.2 |
| Mover | BER Exempt | 4 Year HVM BER Exempt | fixed | 3.95 | 4.2 |
| Mover | A | 5 Year HVM BER A | fixed | 3.9 | 4.1 |
| Mover | B | 5 Year HVM BER B | fixed | 3.95 | 4.2 |
| Mover | C | 5 Year HVM BER C | fixed | 4 | 4.2 |
| Mover | D | 5 Year HVM BER D | fixed | 4.05 | 4.2 |
| Mover | E | 5 Year HVM BER E | fixed | 4.1 | 4.2 |
| First Time Buyer | C | 3 Year Fixed BER C | fixed | 4.5 | 4.6 |
| Mover | F | 5 Year HVM BER F | fixed | 4.15 | 4.3 |
| Mover | G | 5 Year HVM BER G | fixed | 4.2 | 4.3 |
| Mover | BER Exempt | 5 Year HVM BER Exempt | fixed | 4.25 | 4.4 |
| Mover | A | 7 Year HVM BER A | fixed | 3.95 | 4.1 |
| Mover | B | 7 Year HVM BER B | fixed | 4 | 4.2 |
| Mover | C | 7 Year HVM BER C | fixed | 4.05 | 4.2 |
| Mover | D | 7 Year HVM BER D | fixed | 4.1 | 4.2 |
| Mover | E | 7 Year HVM BER E | fixed | 4.15 | 4.3 |
| Mover | F | 7 Year HVM BER F | fixed | 4.2 | 4.3 |
| Mover | G | 7 Year HVM BER G | fixed | 4.25 | 4.4 |
| First Time Buyer | B | 1 Year Fixed BER B | fixed | 4.35 | 4.5 |
| First Time Buyer | D | 3 Year Fixed BER D | fixed | 4.55 | 4.7 |
| Mover | BER Exempt | 7 Year HVM BER Exempt | fixed | 4.3 | 4.4 |
| Mover | A | 10 Year Fixed BER A | fixed | 4.7 | 4.8 |
| Mover | B | 10 Year Fixed BER B | fixed | 4.75 | 4.9 |
| Mover | C | 10 Year Fixed BER C | fixed | 4.8 | 4.9 |
| Mover | D | 10 Year Fixed BER D | fixed | 4.85 | 5 |
| Mover | E | 10 Year Fixed BER E | fixed | 4.9 | 5 |
| Mover | F | 10 Year Fixed BER F | fixed | 4.95 | 5.1 |
| Mover | G | 10 Year Fixed BER G | fixed | 5 | 5.1 |
| Mover | BER Exempt | 10 Year Fixed BER Exempt | fixed | 5.05 | 5.2 |
| Mover | A | Standard Variable | variable | 4.15 | 4.3 |
| First Time Buyer | E | 3 Year Fixed BER E | fixed | 4.6 | 4.7 |
| 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 | 3.8 | 4.2 |
| Existing | B | 1 Year Fixed BER B | fixed | 3.85 | 4.2 |
| Existing | C | 1 Year Fixed BER C | fixed | 3.9 | 4.2 |
| First Time Buyer | F | 3 Year Fixed BER F | fixed | 4.65 | 4.8 |
| Existing | D | 1 Year Fixed BER D | fixed | 3.95 | 4.2 |
| Existing | E | 1 Year Fixed BER E | fixed | 4 | 4.2 |
| Existing | F | 1 Year Fixed BER F | fixed | 4.05 | 4.2 |
| Existing | G | 1 Year Fixed BER G | fixed | 4.1 | 4.2 |
| Existing | BER Exempt | 1 Year Fixed BER Exempt | fixed | 4.15 | 4.3 |
| Existing | No BER | 1 Year Fixed No BER | fixed | 4.15 | 4.3 |
| Existing | A | 2 Year Fixed BER A | fixed | 3.8 | 4.2 |
| Existing | B | 2 Year Fixed BER B | fixed | 3.85 | 4.2 |
| Existing | C | 2 Year Fixed BER C | fixed | 3.9 | 4.2 |
| Existing | D | 2 Year Fixed BER D | fixed | 3.95 | 4.2 |
| First Time Buyer | G | 3 Year Fixed BER G | fixed | 4.7 | 4.8 |
| Existing | E | 2 Year Fixed BER E | fixed | 4 | 4.2 |
| Existing | F | 2 Year Fixed BER F | fixed | 4.05 | 4.2 |
| Existing | G | 2 Year Fixed BER G | fixed | 4.1 | 4.2 |
| Existing | BER Exempt | 2 Year Fixed BER Exempt | fixed | 4.15 | 4.3 |
| Existing | No BER | 2 Year Fixed No BER | fixed | 4.15 | 4.3 |
| Existing | A | 3 Year Fixed BER A | fixed | 3.9 | 4.2 |
| Existing | B | 3 Year Fixed BER B | fixed | 3.95 | 4.2 |
| Existing | C | 3 Year Fixed BER C | fixed | 4 | 4.2 |
| Existing | D | 3 Year Fixed BER D | fixed | 4.05 | 4.2 |
| Existing | E | 3 Year Fixed BER E | fixed | 4.1 | 4.2 |
| First Time Buyer | BER Exempt | 3 Year Fixed BER Exempt | fixed | 4.75 | 4.9 |
| Existing | F | 3 Year Fixed BER F | fixed | 4.15 | 4.3 |
| Existing | G | 3 Year Fixed BER G | fixed | 4.2 | 4.3 |
| Existing | BER Exempt | 3 Year Fixed BER Exempt | fixed | 4.25 | 4.4 |
| Existing | No BER | 3 Year Fixed No BER | fixed | 4.25 | 4.4 |
| Existing | A | 5 Year Fixed BER A | fixed | 3.9 | 4.1 |
| Existing | B | 5 Year Fixed BER B | fixed | 3.95 | 4.2 |
| Existing | C | 5 Year Fixed BER C | fixed | 4 | 4.2 |
| Existing | D | 5 Year Fixed BER D | fixed | 4.05 | 4.2 |
| Existing | E | 5 Year Fixed BER E | fixed | 4.1 | 4.2 |
| Existing | F | 5 Year Fixed BER F | fixed | 4.15 | 4.3 |
| First Time Buyer | A | 5 Year Fixed BER A | fixed | 4.4 | 4.5 |
| Existing | G | 5 Year Fixed BER G | fixed | 4.2 | 4.3 |
| Existing | BER Exempt | 5 Year Fixed BER Exempt | fixed | 4.25 | 4.4 |
| Existing | No BER | 5 Year Fixed No BER | fixed | 4.25 | 4.4 |
| Existing | A | 10 Year Fixed BER A | fixed | 4.2 | 4.3 |
| Existing | B | 10 Year Fixed BER B | fixed | 4.25 | 4.4 |
| Existing | C | 10 Year Fixed BER C | fixed | 4.3 | 4.4 |
| Existing | D | 10 Year Fixed BER D | fixed | 4.35 | 4.5 |
| Existing | E | 10 Year Fixed BER E | fixed | 4.4 | 4.5 |
| Existing | F | 10 Year Fixed BER F | fixed | 4.45 | 4.6 |
| Existing | G | 10 Year Fixed BER G | fixed | 4.5 | 4.6 |
| First Time Buyer | B | 5 Year Fixed BER B | fixed | 4.45 | 4.6 |
| Existing | BER Exempt | 10 Year Fixed BER Exempt | fixed | 4.55 | 4.7 |
| Existing | No BER | 10 Year Fixed No BER | fixed | 4.55 | 4.7 |
| 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 |
| First Time Buyer | C | 5 Year Fixed BER C | fixed | 4.5 | 4.6 |
| Existing | No BER | Standard Variable Rate | variable | 4.15 | 4.3 |
| Investor - New | A | BTL 2 Year Fixed BER A | fixed | 6.15 | 6.5 |
| Investor - New | B | BTL 2 Year Fixed BER B | fixed | 6.2 | 6.6 |
| Investor - New | C | BTL 2 Year Fixed BER C | fixed | 6.25 | 6.6 |
| Investor - New | D | BTL 2 Year Fixed BER D | fixed | 6.3 | 6.7 |
| Investor - New | E | BTL 2 Year Fixed BER E | fixed | 6.35 | 6.7 |
| Investor - New | F | BTL 2 Year Fixed BER F | fixed | 6.4 | 6.8 |
| Investor - New | G | BTL 2 Year Fixed BER G | fixed | 6.45 | 6.8 |
| Investor - New | BER Exempt | BTL 2 Year Fixed BER Exempt | fixed | 6.5 | 6.9 |
| Investor - New | A | BTL 5 Year Fixed BER A | fixed | 6.3 | 6.7 |
| First Time Buyer | D | 5 Year Fixed BER D | fixed | 4.55 | 4.7 |
| Investor - New | B | BTL 5 Year Fixed BER B | fixed | 6.35 | 6.7 |
| Investor - New | C | BTL 5 Year Fixed BER C | fixed | 6.4 | 6.8 |
| Investor - New | D | BTL 5 Year Fixed BER D | fixed | 6.45 | 6.8 |
| Investor - New | E | BTL 5 Year Fixed BER E | fixed | 6.5 | 6.9 |
| Investor - New | F | BTL 5 Year Fixed BER F | fixed | 6.55 | 6.9 |
| Investor - New | G | BTL 5 Year Fixed BER G | fixed | 6.6 | 7 |
| Investor - New | BER Exempt | BTL 5 Year Fixed BER Exempt | fixed | 6.65 | 7 |
| 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 |
| First Time Buyer | E | 5 Year Fixed BER E | fixed | 4.6 | 4.7 |
| 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 | 5.65 | 6 |
| Investor - Existing | B | BTL 2 Year Fixed BER B | fixed | 5.7 | 6 |
| Investor - Existing | C | BTL 2 Year Fixed BER C | fixed | 5.75 | 6.1 |
| Investor - Existing | D | BTL 2 Year Fixed BER D | fixed | 5.8 | 6.1 |
| Investor - Existing | E | BTL 2 Year Fixed BER E | fixed | 5.85 | 6.2 |
| First Time Buyer | C | 1 Year Fixed BER C | fixed | 4.4 | 4.5 |
| First Time Buyer | F | 5 Year Fixed BER F | fixed | 4.65 | 4.8 |
| Investor - Existing | F | BTL 2 Year Fixed BER F | fixed | 5.9 | 6.3 |
| Investor - Existing | G | BTL 2 Year Fixed BER G | fixed | 5.95 | 6.3 |
| Investor - Existing | BER Exempt | BTL 2 Year Fixed BER Exempt | fixed | 6 | 6.4 |
| Investor - Existing | No BER | BTL 2 Year Fixed No BER | fixed | 6 | 6.4 |
| Investor - Existing | A | BTL 5 Year Fixed BER A | fixed | 5.8 | 6.1 |
| Investor - Existing | B | BTL 5 Year Fixed BER B | fixed | 5.85 | 6.2 |
| Investor - Existing | C | BTL 5 Year Fixed BER C | fixed | 5.9 | 6.3 |
| Investor - Existing | D | BTL 5 Year Fixed BER D | fixed | 5.95 | 6.3 |
| Investor - Existing | E | BTL 5 Year Fixed BER E | fixed | 6 | 6.4 |
| Investor - Existing | F | BTL 5 Year Fixed BER F | fixed | 6.05 | 6.4 |
| First Time Buyer | G | 5 Year Fixed BER G | fixed | 4.7 | 4.8 |
| Investor - Existing | G | BTL 5 Year Fixed BER G | fixed | 6.1 | 6.5 |
| Investor - Existing | BER Exempt | BTL 5 Year Fixed BER Exempt | fixed | 6.15 | 6.5 |
| Investor - Existing | No BER | BTL 5 Year Fixed No BER | fixed | 6.15 | 6.5 |
| 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 |
| First Time Buyer | BER Exempt | 5 Year Fixed BER Exempt | fixed | 4.75 | 4.9 |
| Investor - Existing | BER Exempt | Standard Variable Rate | variable | 4.85 | 5.1 |
| Investor - Existing | No BER | Standard Variable Rate | variable | 4.85 | 5.1 |
| First Time Buyer | A | 4 Year HVM BER A | fixed | 3.6 | 4 |
| First Time Buyer | B | 4 Year HVM BER B | fixed | 3.65 | 4 |
| First Time Buyer | C | 4 Year HVM BER C | fixed | 3.7 | 4.1 |
| First Time Buyer | D | 4 Year HVM BER D | fixed | 3.75 | 4.1 |
| First Time Buyer | E | 4 Year HVM BER E | fixed | 3.8 | 4.1 |
| First Time Buyer | F | 4 Year HVM BER F | fixed | 3.85 | 4.1 |
| First Time Buyer | G | 4 Year HVM BER G | fixed | 3.9 | 4.2 |
| First Time Buyer | D | 1 Year Fixed BER D | fixed | 4.45 | 4.6 |
| First Time Buyer | BER Exempt | 4 Year HVM BER Exempt | fixed | 3.95 | 4.2 |
| First Time Buyer | A | 5 Year HVM BER A | fixed | 3.9 | 4.1 |
| First Time Buyer | B | 5 Year HVM BER B | fixed | 3.95 | 4.2 |
| First Time Buyer | C | 5 Year HVM BER C | fixed | 4 | 4.2 |
| First Time Buyer | D | 5 Year HVM BER D | fixed | 4.05 | 4.2 |
| First Time Buyer | E | 5 Year HVM BER E | fixed | 4.1 | 4.2 |
| First Time Buyer | F | 5 Year HVM BER F | fixed | 4.15 | 4.3 |
| First Time Buyer | G | 5 Year HVM BER G | fixed | 4.2 | 4.3 |
| First Time Buyer | BER Exempt | 5 Year HVM BER Exempt | fixed | 4.25 | 4.4 |
| First Time Buyer | A | 7 Year HVM BER A | fixed | 3.95 | 4.1 |
| First Time Buyer | E | 1 Year Fixed BER E | fixed | 4.5 | 4.6 |
| First Time Buyer | B | 7 Year HVM BER B | fixed | 4 | 4.2 |
| First Time Buyer | C | 7 Year HVM BER C | fixed | 4.05 | 4.2 |
| First Time Buyer | D | 7 Year HVM BER D | fixed | 4.1 | 4.2 |
| First Time Buyer | E | 7 Year HVM BER E | fixed | 4.15 | 4.3 |
| First Time Buyer | F | 7 Year HVM BER F | fixed | 4.2 | 4.3 |
| First Time Buyer | G | 7 Year HVM BER G | fixed | 4.25 | 4.4 |
| First Time Buyer | BER Exempt | 7 Year HVM BER Exempt | fixed | 4.3 | 4.4 |
| First Time Buyer | A | 10 Year Fixed BER A | fixed | 4.7 | 4.8 |
| First Time Buyer | B | 10 Year Fixed BER B | fixed | 4.75 | 4.9 |
| First Time Buyer | C | 10 Year Fixed BER C | fixed | 4.8 | 4.9 |
| First Time Buyer | F | 1 Year Fixed BER F | fixed | 4.55 | 4.7 |
| First Time Buyer | D | 10 Year Fixed BER D | fixed | 4.85 | 5 |
| First Time Buyer | E | 10 Year Fixed BER E | fixed | 4.9 | 5 |
| First Time Buyer | F | 10 Year Fixed BER F | fixed | 4.95 | 5.1 |
| First Time Buyer | G | 10 Year Fixed BER G | fixed | 5 | 5.1 |
| First Time Buyer | BER Exempt | 10 Year Fixed BER Exempt | fixed | 5.05 | 5.2 |
| 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 | G | 1 Year Fixed BER G | fixed | 4.6 | 4.7 |
| 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 Fixed BER A | fixed | 4.3 | 4.4 |
| Switcher | B | 1 Year Fixed BER B | fixed | 4.35 | 4.5 |
| Switcher | C | 1 Year Fixed BER C | fixed | 4.4 | 4.5 |
| Switcher | D | 1 Year Fixed BER D | fixed | 4.45 | 4.6 |
| Switcher | E | 1 Year Fixed BER E | fixed | 4.5 | 4.6 |
| Switcher | F | 1 Year Fixed BER F | fixed | 4.55 | 4.7 |
| Switcher | G | 1 Year Fixed BER G | fixed | 4.6 | 4.7 |
| First Time Buyer | BER Exempt | 1 Year Fixed BER Exempt | fixed | 4.65 | 4.8 |
| Switcher | BER Exempt | 1 Year Fixed BER Exempt | fixed | 4.65 | 4.8 |
| Switcher | A | 2 Year Fixed BER A | fixed | 4.3 | 4.4 |
| Switcher | B | 2 Year Fixed BER B | fixed | 4.35 | 4.5 |
| Switcher | C | 2 Year Fixed BER C | fixed | 4.4 | 4.5 |
| Switcher | D | 2 Year Fixed BER D | fixed | 4.45 | 4.6 |
| Switcher | E | 2 Year Fixed BER E | fixed | 4.5 | 4.6 |
| Switcher | F | 2 Year Fixed BER F | fixed | 4.55 | 4.7 |
| Switcher | G | 2 Year Fixed BER G | fixed | 4.6 | 4.7 |
| Switcher | BER Exempt | 2 Year Fixed BER Exempt | fixed | 4.65 | 4.8 |
| Switcher | A | 3 Year Fixed BER A | fixed | 4.4 | 4.5 |
| First Time Buyer | A | 2 Year Fixed BER A | fixed | 4.3 | 4.4 |
| Switcher | B | 3 Year Fixed BER B | fixed | 4.45 | 4.6 |
| Switcher | C | 3 Year Fixed BER C | fixed | 4.5 | 4.6 |
| Switcher | D | 3 Year Fixed BER D | fixed | 4.55 | 4.7 |
| Switcher | E | 3 Year Fixed BER E | fixed | 4.6 | 4.7 |
| Switcher | F | 3 Year Fixed BER F | fixed | 4.65 | 4.8 |
| Switcher | G | 3 Year Fixed BER G | fixed | 4.7 | 4.8 |
| Switcher | BER Exempt | 3 Year Fixed BER Exempt | fixed | 4.75 | 4.9 |
| Switcher | A | 5 Year Fixed BER A | fixed | 4.4 | 4.5 |
| Switcher | B | 5 Year Fixed BER B | fixed | 4.45 | 4.6 |
| Switcher | C | 5 Year Fixed BER C | fixed | 4.5 | 4.6 |
*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
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
Lending against 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 – E.
* HVM is our High Value Mortgage Fixed Interest Rates
The High Value Mortgage fixed interest rates are a 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 2024. Click here for full details and terms and conditions.
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. As of 18 April 2024, cashback will not be available for new mortgage loans that draw down on a standard variable rate.
APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years. APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority.
APRC is the Annual Percentage rate of Charge.
BER is Building Energy Rating
Owner Occupier rates
Owner Occupier rates are effective from 18 April 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.
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.
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.
1
€9,600 is based on 3% of €320,000 which is the average mortgage switched to Bank of Ireland in the 12 months to April 2023, with 2% cashback paid on drawdown, and the remaining 1% cashback paid after five years (subject to meeting the conditions of the mortgage).