Bank of Ireland UK

Compare Bank of Ireland Mortgage Rates & Fees

Bank of Ireland offers a range of fixed and variable rate mortgages with rates from 4.72%.

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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

1 - 7 of 28
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Apply link
Bank of Ireland UK 31/05/2029 Fixed
CASHBACK
Bank of Ireland UK 31/05/2029 Fixed
4.72% fixed until 31/05/2029
8.04% variable
75%
6.9% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
Bank of Ireland UK 31/05/2029 Fixed
Bank of Ireland UK 31/05/2029 Fixed
4.75% fixed until 31/05/2029
8.04% variable
75%
6.8% APRC
View details
Bank of Ireland UK 31/05/2031 Fixed
Bank of Ireland UK 31/05/2031 Fixed
4.75% fixed until 31/05/2031
8.04% variable
75%
6.4% APRC
View details
Bank of Ireland UK 31/05/2029 Fixed
CASHBACK
Bank of Ireland UK 31/05/2029 Fixed
4.77% fixed until 31/05/2029
8.04% variable
60%
6.8% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
Bank of Ireland UK 31/05/2029 Fixed
CASHBACK
Bank of Ireland UK 31/05/2029 Fixed
4.78% fixed until 31/05/2029
8.04% variable
85%
6.9% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
Bank of Ireland UK 31/05/2029 Fixed
CASHBACK
Bank of Ireland UK 31/05/2029 Fixed
4.8% fixed until 31/05/2029
8.04% variable
75%
6.8% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
Bank of Ireland UK 31/05/2027 Fixed
CASHBACK
Bank of Ireland UK 31/05/2027 Fixed
4.8% fixed until 31/05/2027
8.04% variable
75%
7.4% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
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1 - 7 of 28
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Apply link
Bank of Ireland UK 31/05/2029 Fixed
CASHBACK
Bank of Ireland UK 31/05/2029 Fixed
4.72% fixed until 31/05/2029
8.04% variable
75%
6.9% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
Bank of Ireland UK 31/05/2029 Fixed
Bank of Ireland UK 31/05/2029 Fixed
4.75% fixed until 31/05/2029
8.04% variable
75%
6.8% APRC
View details
Bank of Ireland UK 31/05/2031 Fixed
Bank of Ireland UK 31/05/2031 Fixed
4.75% fixed until 31/05/2031
8.04% variable
75%
6.4% APRC
View details
Bank of Ireland UK 31/05/2029 Fixed
CASHBACK
Bank of Ireland UK 31/05/2029 Fixed
4.77% fixed until 31/05/2029
8.04% variable
60%
6.8% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
Bank of Ireland UK 31/05/2029 Fixed
CASHBACK
Bank of Ireland UK 31/05/2029 Fixed
4.78% fixed until 31/05/2029
8.04% variable
85%
6.9% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
Bank of Ireland UK 31/05/2029 Fixed
CASHBACK
Bank of Ireland UK 31/05/2029 Fixed
4.8% fixed until 31/05/2029
8.04% variable
75%
6.8% APRC
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
Bank of Ireland UK 31/05/2027 Fixed
CASHBACK
Bank of Ireland UK 31/05/2027 Fixed
4.8% fixed until 31/05/2027
8.04% variable
75%
7.4% APRC
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
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Overall representative example
If you borrow £178,000 mortgage over 25 years initially at 4.49% fixed for 60 months reverting to 7.99% variable for term. 60 monthly payments of £988.37 and 240 monthly payments of £1306.89. Total amount payable £373,335.80 includes loan amount, interest of £194,956, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.7% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Overview of mortgages

Initial rate types Fixed
Borrower types First-time buyers, moving house, remortgaging
Mortgage amounts From £25,001
Mortgage terms From 5 to 35 years
Maximum LTV 90%
Lowest initial rate 4.72%
Longest fixed rate offer 7 years 1 month
Regions covered Northern Ireland
Applicant age From 18 to 75
Offers portable mortgages

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

1 - 7 of 11
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
Bank of Ireland UK 31/05/2029 Fixed
4.59% fixed until 31/05/2029
8.04% variable
60%
6.8% APRC
View details
Bank of Ireland UK 31/05/2029 Fixed
4.61% fixed until 31/05/2029
8.04% variable
75%
6.8% APRC
View details
Bank of Ireland UK 31/05/2029 Fixed
4.69% fixed until 31/05/2029
8.04% variable
75%
6.8% APRC
View details
CASHBACK
Bank of Ireland UK 31/05/2029 Fixed
4.69% fixed until 31/05/2029
8.04% variable
75%
6.8% APRC
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
Bank of Ireland UK 31/05/2029 Fixed
4.77% fixed until 31/05/2029
8.04% variable
60%
6.8% APRC
View details
Bank of Ireland UK 31/05/2026 Fixed
4.79% fixed until 31/05/2026
8.04% variable
60%
7.7% APRC
View details
Bank of Ireland UK 31/05/2029 Fixed
4.87% fixed until 31/05/2029
8.04% variable
75%
6.8% APRC
View details
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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.

What types of mortgages can I get with Bank of Ireland?

  • Fixed rate With a fixed-rate mortgage, your interest rate remains locked for an set amount of time. After your fixed-rate period ends, you’ll be switched to Bank of Ireland’s standard variable-rate.
  • Remortgages You can switch your existing mortgage to Bank of Ireland by applying for one of its remortgage products.
  • Variable rate With a variable-rate mortgage, your interest rate could fluctuate due to various economic conditions.
  • Tracker With this mortgage, the interest rate fluctuates based on the Bank of England base rate.
  • Buy to let You’ll need a buy-to-let mortgage if you want to borrow money for a second property to let out.
  • Interest-only With an interest-only mortgage, your monthly repayments consist only of the interest on the loan. You won’t pay off the capital until after the mortgage term ends.

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

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Moneyfacts.

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