Bespoke Products
If your client has had pre-application approval from our Bespoke underwriting team, you can find a mortgage to suit their needs here.
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You’ll find a range of residential mortgages up to 90% LTV. Use the filters below to find the right product for your client.
The Bank of Ireland Standard Variable Rate is currently 7.44%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 11/06/2025.
Is the product you’re looking for not showing? It might be withdrawing soon. If it is you'll be able to find it on our Withdrawing products page.
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.42% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £1995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHQN |
2 years | 4.52% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.0% APRC | £995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHQP |
2 years | 4.52% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHQQ |
3 years | 4.51% Fixed | until 30/09/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.8% APRC | £1495 |
|
3% until 30/09/2027, then 2% until 30/09/2028 | AHQR |
5 years | 4.53% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £1995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHQS |
5 years | 4.60% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHQT |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.46% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £1995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHQU |
2 years | 4.56% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.0% APRC | £995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHQV |
2 years | 4.56% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHQW |
5 years | 4.57% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £1995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHQY |
5 years | 4.65% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHQZ |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.49% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £1995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHRA |
2 years | 4.62% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHRB |
2 years | 4.62% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHRC |
3 years | 4.60% Fixed | until 30/09/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.9% APRC | £1495 |
|
3% until 30/09/2027, then 2% until 30/09/2028 | AHRD |
5 years | 4.64% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £1995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHRE |
5 years | 4.70% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHRG |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.53% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £1995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHRH |
2 years | 4.65% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHRJ |
2 years | 4.65% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHRK |
3 years | 4.61% Fixed | until 30/09/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.9% APRC | £1495 |
|
3% until 30/09/2027, then 2% until 30/09/2028 | AHRL |
5 years | 4.68% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £1995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHRN |
5 years | 4.76% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHRP |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.55% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £1995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHRQ |
2 years | 4.67% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHRR |
2 years | 4.67% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHRS |
3 years | 4.67% Fixed | until 30/09/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.9% APRC | £1495 |
|
3% until 30/09/2027, then 2% until 30/09/2028 | AHRT |
5 years | 4.70% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £1995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHRU |
5 years | 4.78% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHRV |
5 years | 4.78% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHRW |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.79% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.2% APRC | £1995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHRX |
2 years | 4.89% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.2% APRC | £1495 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHRY |
2 years | 5.02% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £0 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHRZ |
3 years | 4.79% Fixed | until 30/09/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.9% APRC | £1995 |
|
3% until 30/09/2027, then 2% until 30/09/2028 | AHSA |
3 years | 4.89% Fixed | until 30/09/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.9% APRC | £995 |
|
3% until 30/09/2027, then 2% until 30/09/2028 | AHSB |
3 years | 4.94% Fixed | until 30/09/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.9% APRC | £0 |
|
3% until 30/09/2027, then 2% until 30/09/2028 | AHSC |
5 years | 4.88% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.6% APRC | £1995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHSD |
5 years | 4.95% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.6% APRC | £995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHSE |
5 years | 4.99% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.6% APRC | £0 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHSG |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.95% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.2% APRC | £995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHSH |
5 years | 4.95% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.6% APRC | £995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHSJ |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.50% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.0% APRC | £3995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHSK |
2 years | 4.60% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.0% APRC | £1995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHSL |
5 years | 4.66% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £3995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHSN |
5 years | 4.73% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £1995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHSP |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.55% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £3995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHSQ |
2 years | 4.65% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.0% APRC | £1995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHSR |
5 years | 4.71% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £3995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHSS |
5 years | 4.77% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £1995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHST |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.57% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £3995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHSU |
2 years | 4.67% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £1995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHSV |
5 years | 4.73% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £3995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHSW |
5 years | 4.78% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.5% APRC | £1995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHSX |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.90% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £3995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHSY |
2 years | 5.04% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £1995 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHSZ |
2 years | 5.16% Fixed | until 30/09/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 7.1% APRC | £0 |
|
3% until 30/09/2026, then 2% until 30/09/2027 | AHTA |
5 years | 4.89% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.6% APRC | £3995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHTB |
5 years | 4.98% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.6% APRC | £1995 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHTC |
5 years | 5.04% Fixed | until 30/09/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.44% variable | 6.6% APRC | £0 |
|
4% until 30/09/2027, then 3% until 30/09/2029, then 2% until 30/09/2030 | AHTD |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
Standard Variable rate | 7.44% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.6% APRC | £0 |
|
No Early Redemption Charges. | PQQ |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
Standard Variable rate | 7.44% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.6% APRC | £0 |
|
No Early Redemption Charges. | PQR |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
Standard Variable rate | 7.44% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.6% APRC | £0 |
|
No Early Redemption Charges. | ZZV |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
Standard Variable rate | 7.44% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.6% APRC | £0 |
|
No Early Redemption Charges. | ZZW |