Mortgages to help you move

As steps in life go, buying a home is one of the biggest. But don't worry. We’ll be here to help you, providing as much guidance as you need through every step of your mortgage journey.

Wherever you go

Get up to 3% Cashback

Cashback PLUS is exclusively for Bank of Ireland current account customers who are buying their first home, moving home or who switch their mortgage to Bank of Ireland.

  • Get 2% of your new mortgage back as cash upfront
  • 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)

Cashback Plus is available to you if:

  • You are an existing Bank of Ireland current account customer and you are buying your first home, moving home or switching your mortgage to Bank of Ireland
  • You drawdown your new mortgage between 5th September 2016 and 31st December 2018

If you are not a Bank of Ireland customer or 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.

  • Terms and Conditions

    The Bank of Ireland Cashback PLUS Mortgage Offer

    • The Cashback PLUS Mortgage offer is available to you if:

      1. You (or one of you) is already an existing Bank of Ireland current account customer AND
      2. 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
      3. You draw down your new mortgage loan between 5th September 2016 and 31st December 2018.
    • The Cashback PLUS Mortgage Offer is available whether you chose a fixed or variable rate for your mortgage.

    • 2% cashback payment will be 2% of the amount you borrow under your mortgage loan offer letter. 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 less scheduled repayments must still be owing on the fifth anniversary of the draw down date;
      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 5th September 2016 and 31st December 2018 to qualify for the offer.
      2. In addition, final drawdown must be made within 18 months of 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 under your initial mortgage loan offer letter.
      4. Any additional lending is excluded from the calculation, e.g. a top-up mortgage loan.
      5. The 1% cashback payment at year 5 is 1% of the amount you borrow under your initial mortgage loan offer letter. The 1% cashback payment will be made into your mortgage paying account within 45 days of the 5th anniversary of the final stage drawdown.
    • The Cashback PLUS Mortgage Offer is for our existing current account customers and is intended to reward their loyalty. We do not require you to use your Bank of Ireland current account to make your mortgage payments, or pay your salary into that account.

    • The Cashback PLUS Mortgage offer is not available (a) for top-up mortgages; b) for any mortgage to buy a property to let or for investment; or (c) for any mortgage where you do not borrow as a consumer. The Cashback Plus mortgage offer is only available on mortgages from Bank of Ireland Mortgage Bank.

    • 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. If we do withdraw the offer before 31st December 2018, we will notify the public of this by putting an advertisement on our website and in at least one national newspaper.
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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. A payment break allows 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.

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

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. Ask us about the rate options available to you.
 

Last update: 24/07/2018 16:49:28
mortgage type name ltv rule product ltv description fixed or variable interest rate percentage apr
First Time Buyer <=60% 1 Year LTV <=60% fixed 3.00 3.9
First Time Buyer 61%-80% 1 Year LTV 61%-80% fixed 3.00 4.2
First Time Buyer >80% 1 Year LTV >80% fixed 3.00 4.4
First Time Buyer <=60% 2 Year LTV <=60% fixed 3.00 3.8
First Time Buyer 61%-80% 2 Year LTV 61%-80% fixed 3.00 4
First Time Buyer >80% 2 Year LTV >80% fixed 3.00 4.3
First Time Buyer <=60% 3 Year LTV <=60% fixed 3.00 3.7
First Time Buyer 61%-80% 3 Year LTV 61%-80% fixed 3.00 3.9
First Time Buyer >80% 3 Year LTV >80% fixed 3.00 4.1
First Time Buyer <=60% 5 Year LTV <=60% fixed 3.00 3.6
First Time Buyer 61%-80% 5 Year LTV 61%-80% fixed 3.00 3.7
First Time Buyer >80% 5 Year LTV >80% fixed 3.00 3.9
First Time Buyer <=60% 10 Year LTV <=60% fixed 3.30 3.5
First Time Buyer 61%-80% 10 Year LTV 61%-80% fixed 3.30 3.6
First Time Buyer >80% 10 Year LTV >80% fixed 3.50 3.8
First Time Buyer <=60% Variable LTV <=60% variable 3.90 4
First Time Buyer 61%-80% Variable LTV 61%-80% variable 4.20 4.3
First Time Buyer >80% Variable LTV >80% variable 4.50 4.6
Mover <=60% 1 Year LTV <=60% fixed 3.00 3.9
Mover 61%-80% 1 Year LTV 61%-80% fixed 3.00 4.2
Mover >80% 1 Year LTV >80% fixed 3.00 4.4
Mover <=60% 2 Year LTV <=60% fixed 3.00 3.8
Mover 61%-80% 2 Year LTV 61%-80% fixed 3.00 4
Mover >80% 2 Year LTV >80% fixed 3.00 4.3
Mover <=60% 3 Year LTV <=60% fixed 3.00 3.7
Mover 61%-80% 3 Year LTV 61%-80% fixed 3.00 3.9
Mover >80% 3 Year LTV >80% fixed 3.00 4.1
Mover <=60% 5 Year LTV <=60% fixed 3.00 3.6
Mover 61%-80% 5 Year LTV 61%-80% fixed 3.00 3.7
Mover >80% 5 Year LTV >80% fixed 3.00 3.9
Mover <=60% 10 Year LTV <=60% fixed 3.30 3.5
Mover 61%-80% 10 Year LTV 61%-80% fixed 3.30 3.6
Mover >80% 10 Year LTV >80% fixed 3.50 3.8
Mover <=60% Variable LTV <=60% variable 3.90 4
Mover 61%-80% Variable LTV 61%-80% variable 4.20 4.3
Mover >80% Variable LTV >80% variable 4.50 4.6
Investor <50% 2 Year LTV <50% fixed 4.75 5.1
Investor 50% - 75% 2 Year LTV 50% - 75% fixed 4.99 5.3
Investor <50% 5 Year LTV <50% fixed 4.90 5.2
Investor 50% - 75% 5 Year LTV 50% - 75% fixed 5.10 5.4
Investor <50% Variable LTV <50% variable 4.60 4.9
Investor 50% - 75% Variable LTV 50% - 75% variable 4.80 5.1
Investor Roll to Variable LTV roll to variable 4.80 4.9
Switcher <=60% 1 Year LTV <=60% fixed 3.00 3.9
Switcher 61%-80% 1 Year LTV 61%-80% fixed 3.00 4.2
Switcher >80% 1 Year LTV >80% fixed 3.00 4.4
Switcher <=60% 2 Year LTV <=60% fixed 3.00 3.8
Switcher 61%-80% 2 Year LTV 61%-80% fixed 3.00 4
Switcher >80% 2 Year LTV >80% fixed 3.00 4.3
Switcher <=60% 3 Year LTV <=60% fixed 3.00 3.7
Switcher 61%-80% 3 Year LTV 61%-80% fixed 3.00 3.9
Switcher >80% 3 Year LTV >80% fixed 3.00 4.1
Switcher <=60% 5 Year LTV <=60% fixed 3.00 3.6
Switcher 61%-80% 5 Year LTV 61%-80% fixed 3.00 3.7
Switcher >80% 5 Year LTV >80% fixed 3.00 3.9
Switcher <=60% 10 Year LTV <=60% fixed 3.30 3.5
Switcher 61%-80% 10 Year LTV 61%-80% fixed 3.30 3.6
Switcher >80% 10 Year LTV >80% fixed 3.50 3.8
Switcher <=60% Variable LTV <=60% variable 3.90 4
Switcher 61%-80% Variable LTV 61%-80% variable 4.20 4.3
Switcher >80% Variable LTV >80% variable 4.50 4.6
Existing <=60% 1 Year LTV <=60% fixed 3.00 3.9
Existing 61%-80% 1 Year LTV 61%-80% fixed 3.00 4.2
Existing >80% 1 Year LTV >80% fixed 3.00 4.4
Existing <=60% 2 Year LTV <=60% fixed 3.00 3.8
Existing 61%-80% 2 Year LTV 61%-80% fixed 3.00 4
Existing >80% 2 Year LTV >80% fixed 3.00 4.3
Existing <=60% 3 Year LTV <=60% fixed 3.00 3.7
Existing 61%-80% 3 Year LTV 61%-80% fixed 3.00 3.9
Existing >80% 3 Year LTV >80% fixed 3.00 4.1
Existing <=60% 5 Year LTV <=60% fixed 3.00 3.6
Existing 61%-80% 5 Year LTV 61%-80% fixed 3.00 3.7
Existing >80% 5 Year LTV >80% fixed 3.00 3.9
Existing <=60% 10 Year LTV <=60% fixed 3.30 3.5
Existing 61%-80% 10 Year LTV 61%-80% fixed 3.30 3.6
Existing >80% 10 Year LTV >80% fixed 3.50 3.8
Existing <=60% Variable LTV <=60% variable 3.90 4
Existing 61%-80% Variable LTV 61%-80% variable 4.20 4.3
Existing >80% Variable LTV >80% variable 4.50 4.6
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. For Buy to Let, APRC includes a fee for the Banks solicitor of €950 plus VAT at 23% plus outlay of up to €350.
LTV = Loan to Value. APRC = Annual Percentage rate of Charge. BTL = Buy To Let
Owner Occupier rates

Owner Occupier rates are effective from 2nd November 2017 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 LTV Variable rate applicable at that time. Customers on a variable rate can choose from our range of fixed rates. To avail of a lower LTV fixed rate a property valuation report may be required.

The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. Mortgage applicants must be over 18. 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.

Investor (Buy to Let) rates
Buy to Let new business rates are effective from the 17th September 2015 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 LTV Variable rate applicable at that time. Customers on a variable rate can choose from our range of fixed rates. To avail of a lower LTV fixed rate a property valuation report may be required.

The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. Mortgage applicants must be over 18. 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.

Bank of Ireland Mortgage Bank 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 in the future.

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