Compare Bank of Ireland Mortgage Rates & Fees

Bank of Ireland (UK) plc is a subsidiary of the Bank of Ireland Group committed to the UK market and UK customers. It offers products in the UK market that are regulated in the same way as products offered by other UK-based providers. When it comes to mortgages, the company provides specialist advisers who can help you work out how much you can borrow and recommend the right rate for you.

Compare Bank of Ireland’s mortgage rates

• Bank of Ireland mortgages
• Fixed-rate mortgage rates

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Name	Product	Initial rate	Revert rate (SVR)	Maximum LTV	Borrower type	Overall cost for comparison	Cashback	Apply link
Bank of Ireland UK 31/08/2028 Fixed Bank of Ireland UK 31/08/2028 Fixed First-time buyerHome moverRemortgaging		5.15% fixed until 31/08/2028	7.59% variable	75%	First-time buyer, Moving home, Remortgaging	6.7% APRC		Check eligibility View details		loading Fetching your data...
Bank of Ireland UK 31/08/2028 Fixed Bank of Ireland UK 31/08/2028 Fixed First-time buyerHome moverRemortgaging		5.19% fixed until 31/08/2028	7.59% variable	85%	First-time buyer, Moving home, Remortgaging	6.7% APRC		Check eligibility View details		loading Fetching your data...
Bank of Ireland UK 31/08/2028 Fixed Bank of Ireland UK 31/08/2028 Fixed First-time buyerHome moverRemortgaging		5.3% fixed until 31/08/2028	7.59% variable	90%	First-time buyer, Moving home, Remortgaging	6.8% APRC		Check eligibility View details		loading Fetching your data...
CASHBACK Bank of Ireland UK 31/08/2028 Fixed Bank of Ireland UK 31/08/2028 Fixed First-time buyerHome moverRemortgaging	CASHBACK	5.38% fixed until 31/08/2028	7.59% variable	90%	First-time buyer, Moving home, Remortgaging	6.8% APRC	Eligible customers can receive up to £500 cashback on completion. T&Cs apply.	Check eligibility View details		loading Fetching your data...
Bank of Ireland UK 31/08/2025 Fixed Bank of Ireland UK 31/08/2025 Fixed First-time buyerHome moverRemortgaging		5.6% fixed until 31/08/2025	7.59% variable	75%	First-time buyer, Moving home, Remortgaging	7.4% APRC		Check eligibility View details		loading Fetching your data...
Bank of Ireland UK 31/08/2025 Fixed Bank of Ireland UK 31/08/2025 Fixed First-time buyerHome moverRemortgaging		5.62% fixed until 31/08/2025	7.59% variable	85%	First-time buyer, Moving home, Remortgaging	7.4% APRC		Check eligibility View details		loading Fetching your data...
Bank of Ireland UK 31/08/2025 Fixed Bank of Ireland UK 31/08/2025 Fixed First-time buyerHome moverRemortgaging		5.75% fixed until 31/08/2025	7.59% variable	90%	First-time buyer, Moving home, Remortgaging	7.4% APRC		Check eligibility View details		loading Fetching your data...

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1 - 7 of 8

Updated daily

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Close

Sort by:

Name	Product	Initial rate	Revert rate (SVR)	Maximum LTV	Borrower type	Overall cost for comparison	Cashback	Apply link
Bank of Ireland UK 31/08/2028 Fixed Bank of Ireland UK 31/08/2028 Fixed First-time buyerHome moverRemortgaging		5.15% fixed until 31/08/2028	7.59% variable	75%	First-time buyer, Moving home, Remortgaging	6.7% APRC		Check eligibility View details		loading Fetching your data...
Bank of Ireland UK 31/08/2028 Fixed Bank of Ireland UK 31/08/2028 Fixed First-time buyerHome moverRemortgaging		5.19% fixed until 31/08/2028	7.59% variable	85%	First-time buyer, Moving home, Remortgaging	6.7% APRC		Check eligibility View details		loading Fetching your data...
Bank of Ireland UK 31/08/2028 Fixed Bank of Ireland UK 31/08/2028 Fixed First-time buyerHome moverRemortgaging		5.3% fixed until 31/08/2028	7.59% variable	90%	First-time buyer, Moving home, Remortgaging	6.8% APRC		Check eligibility View details		loading Fetching your data...
CASHBACK Bank of Ireland UK 31/08/2028 Fixed Bank of Ireland UK 31/08/2028 Fixed First-time buyerHome moverRemortgaging	CASHBACK	5.38% fixed until 31/08/2028	7.59% variable	90%	First-time buyer, Moving home, Remortgaging	6.8% APRC	Eligible customers can receive up to £500 cashback on completion. T&Cs apply.	Check eligibility View details		loading Fetching your data...
Bank of Ireland UK 31/08/2025 Fixed Bank of Ireland UK 31/08/2025 Fixed First-time buyerHome moverRemortgaging		5.6% fixed until 31/08/2025	7.59% variable	75%	First-time buyer, Moving home, Remortgaging	7.4% APRC		Check eligibility View details		loading Fetching your data...
Bank of Ireland UK 31/08/2025 Fixed Bank of Ireland UK 31/08/2025 Fixed First-time buyerHome moverRemortgaging		5.62% fixed until 31/08/2025	7.59% variable	85%	First-time buyer, Moving home, Remortgaging	7.4% APRC		Check eligibility View details		loading Fetching your data...
Bank of Ireland UK 31/08/2025 Fixed Bank of Ireland UK 31/08/2025 Fixed First-time buyerHome moverRemortgaging		5.75% fixed until 31/08/2025	7.59% variable	90%	First-time buyer, Moving home, Remortgaging	7.4% APRC		Check eligibility View details		loading Fetching your data...

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Overview of mortgages

Compare Bank of Ireland’s buy-to-let mortgage rates

Bank of Ireland is one of the biggest commercial banks based in Ireland. It offers a huge range of commercial banking products in the UK, including several types of mortgages.

How to apply

You can apply for a Bank of Ireland mortgage via the bank’s website or by calling
01890 365 345. You can visit a branch if you prefer. Alternatively, you can arrange for one of the bank’s mortgage experts to call you, via a form on its website.

What information is needed to apply?

You’ll need to provide personal information, as well as details about your employment, income and existing debt. Documents needed to support all this information include your P60, two months’ worth of payslips, six months’ worth of bank statements.

Eligibility criteria

You must be at least 21 years old when applying and no older than 75 when your term is set to end. You’ll need to earn an annual income of at least £20,000.

Contact information

You can contact Bank of Ireland by calling 0345 266 8928 or emailing boisalessupport@boi.com. Alternatively, you can send a letter to Bank of Ireland UK, PO Box 3191, One Temple Quay, Bristol, BS1 9HY.

Frequently asked questions

• Can I make overpayments?

  Yes, you can. Overpayments can be made online using a debit or credit card. You can also make monthly repayments online, up to a limit of £12,000. However, remember that you may incur additional fees if you make an overpayment that isn’t permitted in the terms and conditions of your mortgage.

• Are there any restrictions on what I can borrow the money for?

  Yes. While you can borrow money for a variety of reasons, you can’t borrow funds for business purposes or speculative lending.

• What is the standard variable rate?

  The standard variable rate, or SVR, is set by the Bank of Ireland. It can go up or down at any time – it’s not linked to any external rate and is done entirely at the discretion of the Bank of Ireland.

• If I apply to borrow more, will my credit score be affected?

  Yes and no. When you apply to borrow more money, your application will be assessed against your current criteria including earned income and rental income generated by your property. Based on the information received by Bank of Ireland, it’ll either give you an approval in principle which will then be subject to credit scoring before you receive your formal offer.

• Are there any customer incentives or bonuses?

  With a Bank of Ireland mortgage, you can earn up to 3% of your mortgage balance as cashback.