Product information

Need more details?

Here's what you need to know about our range of products. 

Criteria lookup

Check whether your customers and their property meet our requirements.

Lending criteria

Our mortgages are available in Great Britain and Northern Ireland. Please see our Distribution page for full details.

The Bank of Ireland Standard Variable Rate is currently 4.24%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information is correct as at 05/09/2017.

Residential rates - up to 95% LTV

We offer fixed and variable residential products for both purchases and remortgages, giving your customers greater choice.

  • Fixed rates - up to 90% LTV for purchases and remortgages and 95% LTV for purchases only. If your customers are worried about a rise or fall in interest rates, our residential fixed rate products could offer them the certainty they need. 
  • Variable rates - up to 90% LTV for purchases and remortgages and 95% LTV for purchases only.
    For customers who prefer variable mortgage rates, we offer products to meet their needs. Our 95% LTV products are not available for top up loans when porting your customers mortgage.
  • First Start - up to 95% LTV for purchases only. For customers struggling to get on the property ladder, or who’ve had a change in personal circumstances and need to buy a home, our First Start product could be for them. 

Buy to Let rates - up to 75% LTV

If your customers are looking for a Buy to Let (BTL) fixed rate, we offer a wide range of products, available for both purchases and remortgages.

Criteria highlights:

  • Ability to pay is assessed on rental income (which must be received in GBP). The rental income must be at least 145% of the monthly interest due inclusive of any product fees added to the loan. This is calculated using the initial product rate or one of the rates from the table below depending on your circumstance, whichever is higher
Interest Cover Rate 
Product Buy to Let purchase / Let to Buy Buy to Let remortgage
Fixed rate for less than five years or a variable rate  5.5% 5.5%
Fixed rate for five or more years 5% 5%
  • The total portfolio size is three BTL mortgaged properties per applicant (either solely or jointly) across all lenders, including Bank of Ireland Group
  • The maximum value of Bank of Ireland portfolio of loans is £1,500,000. Maximum individual loan amount is £500,000
  • No minimum income required.

Check whether your customers and their property meet our lending criteria requirements.

Criteria lookup

Check whether your customers and their property meet our requirements.

Lending criteria

Our award winning system

Our online mortgage application system is simple to use and easy to understand.

Register
Document upload
Securely upload multiple documents per application
Case Messaging
2-way communication straight to your underwriter
Document Bundling
Single documentation for compliance evidencing