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Return to Mortgages HomeYour Options Explained

Whether you’re buying a property, releasing equity or just want to re-mortgage, we have something for you.

Fixed Rate Mortgage

This gives you the security of knowing that for an agreed length of time you have a guaranteed monthly payment, which stays the same no matter how interest rates move. Remember, if rates fall, the amount you pay won’t.

Discounted Variable Rate Mortgage

Here you get the benefit of a fixed discount off our Standard Variable Rate for an agreed length of time. This keeps your initial costs down but your repayments will still reflect changes in interest rates.

Base Rate Tracker Mortgage

Our range of mortgages linked to Bank of England Base Rate offer some great deals. Because we link the rate you pay directly to the Base Rate, your mortgage rate reflects any changes. We have linked our full range of Buy to Let Mortgages to Bank of England Base Rate.

Feesaver Mortgage ¹

You could save you up to £1,600 on legal, valuation and application fees on completion of your mortgage. You will find a selection of Feesaver mortgages in our Residential, Self Certification and our Buy to Let mortgage range.

¹Feesaver mortgages only available on properties valued up to £1 million. Standard valuation paid by BIM (we must instruct the valuation), no arrangement fee is charged on the Standard Residential Feesaver’s and the customer will receive £250 cashback on completion of the mortgage.

EasySwitch Mortgage²

Designed specifically for people who want to re-mortgage, EasySwitch mortgages take the expense out of moving lenders. With the EasySwitch mortgage, the valuation is free of charge and we meet the standard legal fee for using a Bank of Ireland nominated solicitor. In addition, no arrangement fee is payable on a Standard Residential EasySwitch mortgage. EasySwitch Mortgages are available across the range of Standard Residential, Self Certification and Buy to Let schemes.

²EasySwitch mortgages are only available for remortgage purposes and on properties valued up to £1 million. Standard valuation paid by BIM (we must instruct the valuation), no arrangement fee is charged on the Standard Residential EasySwitch mortgages and the Standard legal fees are paid for when using a BIM nominated solicitor.

1st Start Mortgage

Bank of Ireland offers a unique joint mortgage proposition that gives parents or close relatives a realistic and attractive alternative to cashing in their own investments to fund deposits for the first time buyer. A number of different products are available, including loans of up to 100% of the property value. Ask for our special leaflet on this product.

Self Certification Mortgages

If you are employed or self employed, you can use a Self Certification mortgage for either house purchase or remortgage. The range includes products that offer loans of up to 90% of the value of the property. Various incentives are also available including No Early Repayment Charges and No Higher Lending Charges.

Buy to Let Mortgages

If you want to get into the property rental market, a Bank of Ireland Buy to Let mortgage is a good place to start. Linked to the Bank of England Base Rate, the Buy to Let range includes an extensive choice of products, including Feesavers and EasySwitch schemes to take the sting out of any upfront expenses. What’s more, we base the amount we lend on the rental income that the investment property will yield, rather than your income.