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Buy to Let Products

Find the right products to suit your clients’ needs. For existing mortgage customers, see our product transfer and further advance product pages.

  • Buy to Let calculator
  • Buy to Let Top Slicing
  • Buy to Let lending criteria
  • Energy Efficient Buy to Let

We offer a range of Buy to Let mortgages, giving your clients greater choice. Use the filters below to find the right product for your client.

The Bank of Ireland Standard Variable Rate is currently 7.19%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 10/09/2025.

Products being withdrawn will be labelled as 'closing soon.' 

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Buy to Let products

60% LTV | Buy to Let Energy Efficient Fixed Rates | ICR (Interest Cover Ratio)

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.14% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 5.9% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNJ
5 years 4.19% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 5.9% APRC £495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNK
5 years 4.24% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £0
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNL

75% LTV | Buy to Let Energy Efficient Fixed Rates | ICR (Interest Cover Ratio)

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Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.19% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 5.9% APRC £995
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNN
5 years 4.29% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £0
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNP

60% LTV | Buy to Let Energy Efficient Fixed Rates | Top Slicing

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.11% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £2495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNQ
5 years 4.16% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £1495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNR

75% LTV | Buy to Let Energy Efficient Fixed Rates | Top Slicing

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.21% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £1495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNS
5 years 4.22% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £1495
  • Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C
  • £500 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNT

60% LTV | Buy to Let Fixed Rates | ICR (Interest Cover Ratio)

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.19% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 5.9% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNU
5 years 4.24% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 5.9% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNV
5 years 4.29% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNW

75% LTV | Buy to Let Fixed Rates | ICR (Interest Cover Ratio)

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.24% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 5.9% APRC £995
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNX
5 years 4.29% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 5.9% APRC £495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNY
5 years 4.34% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £0
  • Standard Valuation Fee Paid by Lender
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJNZ

60% LTV | Buy to Let Fixed Rates | Top Slicing

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.16% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £2495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJPA
5 years 4.21% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £1495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJPB

75% LTV | Buy to Let Fixed Rates | Top Slicing

Print products
Term Rate Description Overall cost of comparison Product Fee Features Early Repayment Charges (% of the sum repaid) Code
5 years 4.21% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.1% APRC £2495
  • Standard Valuation Fee Paid by Lender
  • Standard legal fees paid by Lender (for remortgages only)
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJPC
5 years 4.22% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £1495
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJPD
5 years 4.25% Fixed until 31/12/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable 6.0% APRC £995
  • £250 Cashback paid to solicitor with advance
  • Standard Valuation Fee Paid by Lender
  • Minimum Loan £50,000
  • Repayment Methods: Interest Only, Part & Part, Capital Repayment
 4% until 31/12/2027, then 3% until 31/12/2029, then 2% until 31/12/2030 AJPE

Exclusive rates for Energy Efficient Buy to Lets

Energy Efficient Buy to Let mortgages are now available with exclusive rates for properties with energy performance ratings A or B.

  • Purchases and remortgages
  • ICR and Top Slicing
See our Energy Efficient mortgages
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