PDH Rates
Variable Rates New and Existing PDH Customers.
| PDH Product | Standard Rate | Standard APRC | HVM Rate | HVM APRC |
|---|---|---|---|---|
| Standard Variable Rate | 4.15% | 4.30% | – | – |
Fixed Rates New Customers.
| PDH Product | Standard Rate | Standard APRC | HVM Rate | HVM APRC |
|---|---|---|---|---|
| 1 Year Fixed BER A | 4.30% | 4.40% | – | – |
| 1 Year Fixed BER B | 4.35% | 4.50% | – | – |
| 1 Year Fixed BER C | 4.40% | 4.50% | – | – |
| 1 Year Fixed BER D | 4.45% | 4.60% | – | – |
| 1 Year Fixed BER E | 4.50% | 4.60% | – | – |
| 1 Year Fixed BER F | 4.55% | 4.70% | – | – |
| 1 Year Fixed BER G | 4.60% | 4.70% | – | – |
| 1 Year Fixed BER Exempt | 4.65% | 4.80% | – | – |
| 2 Year Fixed BER A | 4.30% | 4.40% | – | – |
| 2 Year Fixed BER B | 4.35% | 4.50% | – | – |
| 2 Year Fixed BER C | 4.40% | 4.50% | – | – |
| 2 Year Fixed BER D | 4.45% | 4.60% | – | – |
| 2 Year Fixed BER E | 4.50% | 4.60% | – | – |
| 2 Year Fixed BER F | 4.55% | 4.70% | – | – |
| 2 Year Fixed BER G | 4.60% | 4.70% | – | – |
| 2 Year Fixed BER Exempt | 4.65% | 4.80% | – | – |
| 3 Year Fixed BER A | 4.40% | 4.50% | – | – |
| 3 Year Fixed BER B | 4.45% | 4.60% | – | – |
| 3 Year Fixed BER C | 4.50% | 4.60% | – | – |
| 3 Year Fixed BER D | 4.55% | 4.70% | – | – |
| 3 Year Fixed BER E | 4.60% | 4.70% | – | – |
| 3 Year Fixed BER F | 4.65% | 4.80% | – | – |
| 3 Year Fixed BER G | 4.70% | 4.80% | – | – |
| 3 Year Fixed BER Exempt | 4.75% | 4.90% | – | – |
| 4 Year Fixed BER A | – | – | 3.60% | 4.00% |
| 4 Year Fixed BER B | – | – | 3.65% | 4.10% |
| 4 Year Fixed BER C | – | – | 3.70% | 4.10% |
| 4 Year Fixed BER D | – | – | 3.75% | 4.10% |
| 4 Year Fixed BER E | – | – | 3.80% | 4.10% |
| 4 Year Fixed BER F | – | – | 3.85% | 4.10% |
| 4 Year Fixed BER G | – | – | 3.90% | 4.20% |
| 4 Year Fixed BER Exempt | – | – | 3.95% | 4.20% |
| 5 Year Fixed BER A | 4.40% | 4.50% | 3.90% | 4.10% |
| 5 Year Fixed BER B | 4.45% | 4.60% | 3.95% | 4.20% |
| 5 Year Fixed BER C | 4.50% | 4.60% | 4.00% | 4.20% |
| 5 Year Fixed BER D | 4.55% | 4.70% | 4.05% | 4.20% |
| 5 Year Fixed BER E | 4.60% | 4.70% | 4.10% | 4.20% |
| 5 Year Fixed BER F | 4.65% | 4.80% | 4.15% | 4.30% |
| 5 Year Fixed BER G | 4.70% | 4.80% | 4.20% | 4.30% |
| 5 Year Fixed BER Exempt | 4.75% | 4.90% | 4.25% | 4.40% |
| 7 Year Fixed BER A | – | – | 3.95% | 4.10% |
| 7 Year Fixed BER B | – | – | 4.00% | 4.20% |
| 7 Year Fixed BER C | – | – | 4.05% | 4.20% |
| 7 Year Fixed BER D | – | – | 4.10% | 4.20% |
| 7 Year Fixed BER E | – | – | 4.15% | 4.30% |
| 7 Year Fixed BER F | – | – | 4.20% | 4.30% |
| 7 Year Fixed BER G | – | – | 4.25% | 4.40% |
| 7 Year Fixed BER Exempt | – | – | 4.30% | 4.40% |
| 10 Year Fixed BER A | 4.70% | 4.80% | – | – |
| 10 Year Fixed BER B | 4.75% | 4.90% | – | – |
| 10 Year Fixed BER C | 4.80% | 4.90% | – | – |
| 10 Year Fixed BER D | 4.85% | 5.00% | – | – |
| 10 Year Fixed BER E | 4.90% | 5.10% | – | – |
| 10 Year Fixed BER F | 4.95% | 5.10% | – | – |
| 10 Year Fixed BER G | 5.00% | 5.20% | – | – |
| 10 Year Fixed BER Exempt | 5.05% | 5.20% | – | – |
EcoSaver Mortgage Fixed Interest Rate
The EcoSaver Mortgage fixed interest rate provides customers with discounts based on their Building Energy Rating (BER), the better the BER rating, the better the discount. The EcoSaver Mortgage is available to all customers, if you are new to Bank of Ireland or already have a mortgage with us. You can get The EcoSaver Mortgage fixed interest rate if you are borrowing to buy a home for yourself or your family or an investment property to let or you switching your mortgage loan to us from another lender. You must supply a BER (Building Energy Rating) certificate to avail of the EcoSaver mortgage. Available with fixed rates only.
* 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 rates are 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 prior to 31 December 2024. Click here for full details and terms and conditions.
Note: 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.
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.