The Premier Mortgage Advantage

Our aim is to be your partner through your mortgage and support you every step of the way.
 
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Your Premier Mortgage Partner

Premier customers have different needs. That’s why we have a team that are trained to help and support you through every step of your mortgage. We are that someone to call, that you can check in with and who has experience in the process.





 
 
For us, the customer is at the centre of everything. Our aim is to be your partner through your mortgage and support you every step of the way. Our customers have told us that’s what’s important to them so we focus on that.

JP Collins




 
 
It’s about helping our customers to get to the moment the keys are in the door of their new home. It’s a great feeling helping people to get there. We want to make what can be a complicated process uncomplicated for the customer.

Heather McArdle



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Your Premier Mortgage Journey


 

Whether you are buying a new home, moving or looking for more value with your mortgage your Premier Mortgage Partner will be with you every step.
 

Getting to Yes

When you’re applying for a mortgage, we’re going to need you to supply a fair amount of information about yourself. We ask for the information to make sure the mortgage is right for you. This information falls into four categories:

 

Loan to Income Details
“Loan to Income” details

Deposit details
Deposit details

Your Disposable Income
Your Disposable Income

Proof that you can repay the loan
Proof that you can repay the loan


We’ll explain each category in greater detail. We’re with you every step of the way.
 

Download our free guide now

Help with your deposit

Any resident of the Republic of Ireland, who is over 18, can open a Mortgage Saver account. For First Time Buyers, we offer a bonus interest of €2,000 (less DIRT)*, provided you have €5000 or more saved in your mortgage saver account. You must save a minimum of €200, maximum of €2,500 per month for at least 6 consecutive months in a MortgageSaver Account. You must save a minimum of €5,000 in total.

You must draw down a Bank of Ireland First Time Buyer mortgage within 30 months of opening your MortgageSaver account. Use the money saved in your MortgageSaver account to help purchase your first home. The bonus interest will be a fixed payment of €2,000 (less DIRT), once you have €5,000 or more saved in your MortgageSaver account.
 
*Bonus Interest is subject to DIRT at the prevailing rate and will be paid to your account net of DIRT.

First Time Buyers may be entitled to claim a refund of DIRT. For more information see the Revenue.ie website. Bank of Ireland cannot take responsibility for information on third party websites.


 
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Home & Life Insurance

Your Mortgage Partner will help you set up your home and life insurance with Bank of Ireland. We’ll work to make it happen efficiently to get you closer to your keys.

 

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Cashback at drawdown
Up to 3% back in cash (on our qualifying fixed rates)

Cashback PLUS is exclusively for customers who are buying their first home, moving home or thinking about switching their mortgage to Bank of Ireland before 31 December 2025.

Get 2% of your new mortgage back as cash upfront
1% of your mortgage back in cash in five years’ time (subject to meeting the conditions of the mortgage and the Cashback PLUS offer).

Cashback is not available with the High Value Mortgage fixed interest rate or our standard variable rate.

Find out more

How do I become a Premier customer or avail of a Premier Mortgage?

Premier is available only to customers who have an individual gross annual income of at least €100,000 (or a joint income of at least €140,000) that is paid into a Bank of Ireland current account, and to customers who have savings or investments of at least €100,000 with Bank of Ireland Group.

If you fit this criteria but are not with Bank of Ireland, you can still avail of a Premier Mortgage

 

Premier Banking is available at no extra cost to customers who have an individual gross annual income of at least €100,000 (or a joint income of at least €140,000) that is paid into a Bank of Ireland current account for a minimum period of 6 months, and to customers who have savings or investments of at least €100,000 with Bank of Ireland Group.
The Premier Property Service is currently limited to Premier customers seeking to purchase properties in the Dublin area with Principal Dwelling mortgage approval of €500,000 or more with Bank of Ireland.

 


Fill out the contact form and a member
of our team will be in touch.
 
Find out more

Already a Premier Customer,
Call Priority Banking.
 
0818 365 121


 

Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.

Warning: If you do not keep up your repayments you may lose your home.
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.
Warning: You may have to pay charges if you pay off a fixed-rate loan early.
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.
Home Insurance is arranged by Bank of Ireland Insurance Services and underwritten by RSA Insurance Ireland DAC or FBD Insurance plc. Bank of Ireland Insurance Services Limited trading as Bank of Ireland Insurance and Bank of Ireland Insurance is regulated by the Central Bank of Ireland. A member of the Bank of Ireland Group. RSA Insurance Ireland DAC trading as RSA Insurance is regulated by the Central Bank of Ireland. FBD Insurance PLC is regulated by the Central Bank of Ireland.
Life assurance and pensions products are provided by New Ireland Assurance Company plc., trading as Bank of Ireland Life. New Ireland Assurance Company plc., trading as Bank of Ireland Life is regulated by the Central Bank of Ireland. Member of Bank of Ireland Group. Advice on Bank of Ireland Life products is provided by Bank of Ireland, trading as Bank of Ireland Insurance & Investments, Insurance & Investments, Bank of Ireland Private Banking or Premier Banking. Bank of Ireland is regulated by the Central Bank of Ireland. Bank of Ireland is a tied agent of New Ireland Assurance Company plc for life assurance and pensions business. Member of Bank of Ireland Group.