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 7.64%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 22/04/2025.
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 | 4.50% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £1995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AGZK |
2 years | 4.60% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.2% APRC | £995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AGZL |
2 years | 4.60% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AGZN |
3 years | 4.59% Fixed | until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.0% APRC | £1495 |
|
3% until 31/07/2027, then 2% until 31/07/2028 | AGZP |
5 years | 4.61% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.6% APRC | £1995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AGZQ |
5 years | 4.68% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.6% APRC | £995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AGZR |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.54% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £1995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AGZS |
2 years | 4.64% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.2% APRC | £995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AGZT |
2 years | 4.64% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AGZU |
5 years | 4.65% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.6% APRC | £1995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AGZV |
5 years | 4.73% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.6% APRC | £995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AGZW |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.60% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £1995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AGZX |
2 years | 4.73% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.2% APRC | £995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AGZY |
2 years | 4.73% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AGZZ |
3 years | 4.70% Fixed | until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.0% APRC | £1495 |
|
3% until 31/07/2027, then 2% until 31/07/2028 | AHAA |
5 years | 4.72% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.7% APRC | £1995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHAB |
5 years | 4.78% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.7% APRC | £995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHAC |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.62% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £1995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHAD |
2 years | 4.74% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHAE |
2 years | 4.74% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.2% APRC | £995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHAG |
3 years | 4.75% Fixed | until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.1% APRC | £1495 |
|
3% until 31/07/2027, then 2% until 31/07/2028 | AHAH |
5 years | 4.75% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.7% APRC | £1995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHAJ |
5 years | 4.83% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.7% APRC | £995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHAK |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.77% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £1995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHAL |
2 years | 4.91% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHAN |
2 years | 4.91% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHAP |
3 years | 4.83% Fixed | until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.1% APRC | £1495 |
|
3% until 31/07/2027, then 2% until 31/07/2028 | AHAQ |
5 years | 4.79% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.7% APRC | £1995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHAR |
5 years | 4.87% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.6% APRC | £995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHAS |
5 years | 4.87% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.7% APRC | £995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHAT |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.95% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.4% APRC | £1995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHAU |
2 years | 5.10% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.4% APRC | £995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHAV |
2 years | 5.17% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £0 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHAW |
3 years | 4.88% Fixed | until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.1% APRC | £1995 |
|
3% until 31/07/2027, then 2% until 31/07/2028 | AHAX |
3 years | 4.98% Fixed | until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.1% APRC | £995 |
|
3% until 31/07/2027, then 2% until 31/07/2028 | AHAY |
3 years | 5.03% Fixed | until 31/07/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.1% APRC | £0 |
|
3% until 31/07/2027, then 2% until 31/07/2028 | AHAZ |
5 years | 4.96% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.8% APRC | £1995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHBA |
5 years | 5.03% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.8% APRC | £995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHBB |
5 years | 5.07% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.8% APRC | £0 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHBC |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.10% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.4% APRC | £995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHBD |
5 years | 5.03% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.8% APRC | £995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHBE |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.61% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.2% APRC | £3995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHCH |
2 years | 4.71% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.2% APRC | £1995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHCJ |
5 years | 4.74% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.6% APRC | £3995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHCK |
5 years | 4.81% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.6% APRC | £1995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHCL |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.64% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.2% APRC | £3995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHCN |
2 years | 4.74% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.2% APRC | £1995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHCP |
5 years | 4.78% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.6% APRC | £3995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHCQ |
5 years | 4.84% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.6% APRC | £1995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHCR |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.79% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £3995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHCS |
2 years | 4.89% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £1995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHCT |
5 years | 4.82% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.7% APRC | £3995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHCU |
5 years | 4.87% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.7% APRC | £1995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHCV |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.95% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £3995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHCW |
2 years | 5.09% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £1995 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHCX |
2 years | 5.21% Fixed | until 31/07/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 7.3% APRC | £0 |
|
3% until 31/07/2026, then 2% until 31/07/2027 | AHCY |
5 years | 4.97% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.7% APRC | £3995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHCZ |
5 years | 5.06% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.7% APRC | £1995 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHDA |
5 years | 5.12% Fixed | until 31/07/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.64% variable | 6.7% APRC | £0 |
|
4% until 31/07/2027, then 3% until 31/07/2029, then 2% until 31/07/2030 | AHDB |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
Standard Variable rate | 7.64% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.8% 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 | 7.64% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.8% 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 | 7.64% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.8% 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 | 7.64% Variable | which is our Standard Variable Rate for the entire mortgage term | 7.8% APRC | £0 |
|
No Early Redemption Charges. | ZZW |