Product Transfer Products
If your client is looking to transfer their mortgage, you'll find our product transfer rates below.
You can transfer your client’s mortgage if you or your firm introduced your client's current mortgage after June 2014. Simply select a product and apply online.
If you didn’t introduce your client's mortgage or the mortgage started before June 2014, please get in touch with us before giving advice.
See our new business products for new clients.
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 20/11/2024.
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.69% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £1995 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFGD |
| 2 years | 4.79% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £995 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFGE |
| 2 years | 5.09% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.3% APRC | £0 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFGG |
| 3 years | 4.97% Fixed | until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.1% APRC | £495 | None | 3% until 28/02/2027, then 2% until 29/02/2028 | AFGH |
| 3 years | 5.08% Fixed | until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.0% APRC | £0 | None | 3% until 28/02/2027, then 2% until 29/02/2028 | AFGJ |
| 5 years | 4.99% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.5% APRC | £495 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFGK |
| 5 years | 5.07% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.5% APRC | £0 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFGL |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.94% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £995 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFGN |
| 2 years | 5.19% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £0 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFGP |
| 3 years | 5.07% Fixed | until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.1% APRC | £495 | None | 3% until 28/02/2027, then 2% until 29/02/2028 | AFGQ |
| 3 years | 5.18% Fixed | until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.1% APRC | £0 | None | 3% until 28/02/2027, then 2% until 29/02/2028 | AFGR |
| 5 years | 5.11% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.6% APRC | £495 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFGS |
| 5 years | 5.17% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.6% APRC | £0 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFGT |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.99% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £995 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFGU |
| 2 years | 5.24% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £0 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFGV |
| 5 years | 5.17% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.6% APRC | £495 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFGW |
| 5 years | 5.23% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.6% APRC | £0 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFGX |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.39% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £0 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFGY |
| 5 years | 5.31% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.7% APRC | £0 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFGZ |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.34% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £0 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFHA |
| 5 years | 5.32% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.9% APRC | £0 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFHB |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.34% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.3% APRC | £0 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFHC |
| 5 years | 5.32% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.4% APRC | £0 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFHD |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.39% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.0% APRC | £0 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFHE |
| 5 years | 5.37% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.0% APRC | £0 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFHG |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.81% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.3% APRC | £1995 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFDC |
| 2 years | 5.01% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.2% APRC | £995 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFDD |
| 2 years | 5.47% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.1% APRC | £0 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFDE |
| 3 years | 5.18% Fixed | until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £995 | None | 3% until 28/02/2027, then 2% until 29/02/2028 | AFDG |
| 3 years | 5.45% Fixed | until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £0 | None | 3% until 28/02/2027, then 2% until 29/02/2028 | AFDH |
| 5 years | 5.25% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.3% APRC | £995 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFDJ |
| 5 years | 5.42% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.2% APRC | £0 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFDK |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.11% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.2% APRC | £995 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFDL |
| 5 years | 5.33% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.4% APRC | £995 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFDN |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.61% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.2% APRC | £0 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFDP |
| 5 years | 5.52% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.3% APRC | £0 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFDQ |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 4.81% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £1995 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFDR |
| 2 years | 5.01% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £995 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFDS |
| 2 years | 5.47% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £0 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFDT |
| 3 years | 5.18% Fixed | until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.2% APRC | £995 | None | 3% until 28/02/2027, then 2% until 29/02/2028 | AFDU |
| 3 years | 5.45% Fixed | until 29/02/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.2% APRC | £0 | None | 3% until 28/02/2027, then 2% until 29/02/2028 | AFDV |
| 5 years | 5.25% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.7% APRC | £995 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFDW |
| 5 years | 5.42% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £0 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFDX |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.11% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.4% APRC | £995 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFDY |
| 5 years | 5.33% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £995 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFDZ |
| Term | Rate | Description | Overall cost of comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 years | 5.61% Fixed | until 28/02/2027 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 7.5% APRC | £0 | None | 3% until 28/02/2026, then 2% until 28/02/2027 | AFEA |
| 5 years | 5.52% Fixed | until 28/02/2030 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 7.84% variable | 6.8% APRC | £0 | None | 4% until 28/02/2027, then 3% until 28/02/2029, then 2% until 28/02/2030 | AFEB |