Residential Products
Find the right products to suit your clients’ needs. For existing mortgage customers, see our product transfer and further advance product pages.
We offer a range of Residential 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 6.94%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 26/02/2026.
Products being withdrawn will be labelled as 'closing soon.'
Is the product you’re looking for not showing? It may have been withdrawn. Please get in touch.
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.19% Fixed | until 31/03/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.19% variable | 6.8% APRC | £0 |
|
3% until 31/03/2027, then 2% until 31/03/2028 | AKMZ |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 3 years | 4.10% Fixed | until 30/04/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.4% APRC | £995 |
|
3% until 30/04/2028, then 2% until 30/04/2029 | AKPG |
| 3 years | 4.19% Fixed | until 30/04/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.4% APRC | £495 |
|
3% until 30/04/2028, then 2% until 30/04/2029 | AKPH |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.17% Fixed | until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable | 6.6% APRC | £0 |
|
3% until 30/04/2027, then 2% until 30/04/2028 | AKPU |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| Standard Variable rate | 6.94% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.2% APRC | £0 | Repayment Methods: Capital Repayment | No Early Redemption Charges. | MTX |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| Standard Variable rate | 6.94% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.1% 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 | 6.94% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.1% 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 | 6.94% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.1% 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 | 6.94% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.1% APRC | £0 |
|
No Early Redemption Charges. | ZZW |