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 7.84%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 08/01/2025.
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 | 4.74% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £1995 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFUE |
2 years | 4.80% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £1495 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFUG |
2 years | 4.80% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £1495 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFUH |
3 years | 4.79% Fixed | until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.3% APRC | £1495 |
|
3% until 30/04/2027, then 2% until 30/04/2028 | AFUJ |
5 years | 4.68% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £1995 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFUK |
5 years | 4.73% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.6% APRC | £1495 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFUL |
5 years | 4.73% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £1495 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFUN |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.84% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £1495 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFUP |
2 years | 4.84% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £1495 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFUQ |
5 years | 4.76% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.6% APRC | £1495 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFUR |
5 years | 4.76% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £1495 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFUS |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.81% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £1995 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFUT |
2 years | 4.89% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £1495 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFUU |
2 years | 4.89% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £1495 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFUV |
3 years | 4.84% Fixed | until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.3% APRC | £1495 |
|
3% until 30/04/2027, then 2% until 30/04/2028 | AFUW |
5 years | 4.80% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £1995 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFUX |
5 years | 4.85% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.7% APRC | £1495 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFUY |
5 years | 4.85% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £1495 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFUZ |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.89% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £1995 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFVA |
2 years | 4.99% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £1495 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFVB |
3 years | 4.90% Fixed | until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.3% APRC | £1495 |
|
3% until 30/04/2027, then 2% until 30/04/2028 | AFVC |
5 years | 4.90% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.9% APRC | £1495 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFVD |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.95% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £1995 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFVE |
2 years | 5.05% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.6% APRC | £1495 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFVG |
3 years | 4.97% Fixed | until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.3% APRC | £1495 |
|
3% until 30/04/2027, then 2% until 30/04/2028 | AFVH |
5 years | 4.89% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.9% APRC | £1995 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFVJ |
5 years | 4.95% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.9% APRC | £1495 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFVK |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.05% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.6% APRC | £2495 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFVL |
2 years | 5.22% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.6% APRC | £1495 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFVN |
2 years | 5.39% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.6% APRC | £0 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFVP |
3 years | 5.04% Fixed | until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.3% APRC | £2495 |
|
3% until 30/04/2027, then 2% until 30/04/2028 | AFVQ |
3 years | 5.15% Fixed | until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £1495 |
|
3% until 30/04/2027, then 2% until 30/04/2028 | AFVR |
3 years | 5.30% Fixed | until 30/04/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £0 |
|
3% until 30/04/2027, then 2% until 30/04/2028 | AFVS |
5 years | 5.05% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.0% APRC | £2495 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFVT |
5 years | 5.15% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.0% APRC | £1495 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFVU |
5 years | 5.20% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.0% APRC | £0 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFVV |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.22% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.6% APRC | £1495 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFVW |
5 years | 5.15% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.0% APRC | £1495 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFVX |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.82% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £3995 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFVY |
2 years | 4.92% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £1995 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFVZ |
5 years | 4.83% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £3995 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFWA |
5 years | 4.89% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £1995 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFWB |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.00% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £1995 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFWC |
5 years | 4.95% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £1995 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFWD |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 4.97% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £3995 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFWE |
2 years | 5.07% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £1995 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFWG |
5 years | 4.92% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £3995 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFWH |
5 years | 4.98% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £1995 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFWJ |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
2 years | 5.11% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £3995 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFWK |
2 years | 5.25% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £1995 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFWL |
2 years | 5.43% Fixed | until 30/04/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £0 |
|
3% until 30/04/2026, then 2% until 30/04/2027 | AFWN |
5 years | 5.10% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.9% APRC | £3995 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFWP |
5 years | 5.19% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.9% APRC | £1995 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFWQ |
5 years | 5.25% Fixed | until 30/04/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.9% APRC | £0 |
|
4% until 30/04/2027, then 3% until 30/04/2029, then 2% until 30/04/2030 | AFWR |
Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
---|---|---|---|---|---|---|---|
Standard Variable rate | 7.84% Variable | which is our Standard Variable Rate for the entire mortgage term | 8.1% 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 | 7.84% Variable | which is our Standard Variable Rate for the entire mortgage term | 8.1% 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 | 7.84% Variable | which is our Standard Variable Rate for the entire mortgage term | 8.1% 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 | 7.84% Variable | which is our Standard Variable Rate for the entire mortgage term | 8.1% APRC | £0 |
|
No Early Redemption Charges. | ZZW |