Bank of Ireland Mortgage Rates 2026 — Compare Fixed, Tracker & Remortgage Deals

See today’s Bank of Ireland mortgage rates alongside 100+ UK lenders. We soft-search (no score impact), compare true cost (rate + fees + incentives), and help you choose the right deal for your LTV, income and property.

Get my Bank of Ireland quote

Availability note (UK):

Bank of Ireland’s consumer site currently offers new mortgage products to Northern Ireland customers. Existing customers (incl. ex-Post Office Mortgages) can still manage and switch. Through the Bank of Ireland for Intermediaries channel, residential and BTL lending is available across Great Britain and Northern Ireland via brokers.

Bank of Ireland Mortgage Rates – What’s Available?

Residential Purchase

4.39%

60% LTV
Fee £0
2 Years Fixed

Check Live Rates

Residential Remortgage

4.47%

85% LTV
Fee £999
5 Years Fixed

Speak To A Broker

Buy to Let Remortgage

4.25%

Up to 75%
Fee £995
2 Years Fixed

Get Your BTL Quote

Tracker

7.19%

60% LTV
Fee £0
(+3.19% above BoE)

Get some advice

Rates correct as of April 2026. Subject to change and subject to lending criteria.

Subject to change & status. ERCs may apply. We’ll confirm Northern Ireland vs Great Britain product availability for your case.

Fees vs No-Fee — Which Is Cheaper?

A lower rate with a £999–£1,499 fee can cost more overall than a slightly higher no-fee product. We’ll calculate: monthly saving, fee payback, and total cost over your fixed term.

What We Need To Quote Accurately

LTV: property value vs loan (inc. HTB/shared ownership if relevant)
Income: PAYE/self-employed SA302s & overviews; contractor terms
Credit: any missed payments/CCJs/arrangements (soft search first)
Property: house/flat, new-build/ex-LA, lease length & charges if leasehold

Why Compare With Verifi?

Whole-of-market (100+ lenders), including Bank of Ireland intermediary channel
No jargon, FCA-regulated brokers, RateDrop alerts before completion
We optimise for total cost, not just the headline rate

A short and sweet title for this section.

Don’t Just Check Bank of Ireland Mortgage Rates — Know When to Act

Bank of Ireland Mortgage rates can change, and the best deals don’t stay available for long. Theo tracks your mortgage against the market and alerts you when better options appear, so you don’t miss the right moment.

Theo Insight: The biggest savings often come from acting early — not waiting for rates to change again.

Track Your Mortgage Rate

Track Your Mortgage Now

Monitor your rate and spot better deals early

Get Alerts When Rates Drop

Get Mortgage Alerts

Get notified when you could save money

Know When to Remortgage

Check Your Mortgage Position

Understand your ideal remortgage timing

Theo is a mortgage intelligence platform designed to help you monitor your mortgage and identify potential savings. It does not provide advice. Always speak to a qualified adviser. Built by FCA regulated mortgage experts at Verifi Mortgages

Who Bank of Ireland Can Suit

LTV & deposit: pricing sharpest at 60–75% LTV; purchase up to 95% LTV on selected ranges (policy dependent).
Income types: PAYE, self-employed, some contractor setups (docs required).
Property: houses and many flats; NI and GB coverage via intermediaries; SVR currently published for BOI UK.
BTL: landlord products with rental ICR stress tests; options for like-for-like BTL remortgage.

Popular Paths To Relevant Guides

First-Time Buyers (up to 95% LTV)

Low-deposit fixes; fee-saver options available on selected products. We’ll model true cost over 2/5 years and help you pass affordability.

First Time Buyer Guides

Remortgaging with Bank of Ireland

Avoid rolling to SVR. Many remortgages include valuation/legal incentives; we’ll compare product transfer vs new deal and GB alternatives if BOI not available.

Remortgage Guides

Home Movers

Porting may be available (subject to criteria). We’ll compare port + top-up vs new deal to keep total cost down.

See If I Qualify

Tracker & Flexible Products

Trackers (BoE + margin) can suit borrowers who want flexibility (often lighter ERCs). We’ll run what-if scenarios.

See Today’s Best Rates

Buy-to-Let (Landlords)

FRental stress tests (ICR at test rates) apply; we’ll compare BOI vs specialist BTL lenders for yield and criteria fit.

Buy To Let Guides

FAQs — Bank of Ireland Mortgage Rates

Through the broker/intermediary channel, BOI offers residential/BTL across Great Britain and Northern Ireland. The consumer site advertises new products for NI; we’ll route via the correct channel for your case.

Yes. Post Office stopped new lending, but servicing and product transfers are managed via Bank of Ireland. We’ll check your switch options and alternatives.

Fix = payment certainty; tracker = flexibility with payments that move with BoE. We’ll model both and show break-even.

Typically 60–75% LTV. At 90–95% LTV, fee-saver products can win on total cost despite a higher rate.

Often possible (criteria apply). We’ll compare port vs new lender to find the cheaper route.

Yes — affordability uses ICR at a lender test rate; documentation and property type matter.

Tools & Calculators

Bank of Ireland equips intermediaries and clients with a suite of calculators to aid in the mortgage process:

Work Out Your affordability with Our Buy to Let Calculator

Blue calculator and house icon showing buy to let mortgage affordability check

Check affordability

Learn more about mortgage rates

Blue house icon with percentage symbol representing UK mortgage rates and interest trends

Mortgage Rates Guide

See What You Could Borrow with Our Mortgage Affordability Tool

Illustration of a house and calculator representing mortgage affordability tool

Check Budget

Compare Top UK Mortgage Lenders Instantly

Compare Lenders

Get Started Today

Ready to explore Bank of Ireland mortgages offerings? Connect with our expert brokers to find the perfect mortgage solution tailored to your needs.

Start My Application Speak to an Adviser

Blue background and a hand holding a house representing Bank of Ireland advice secured the best mortgage rates.

Disclaimer:

Verifi Mortgages is a UK mortgage broker and not affiliated with Bank of Ireland. All Bank of Ireland Mortgage Rates and products are subject to eligibility, lender criteria, and may change without notice. Applications are subject to credit checks and formal approval. Your home may be repossessed if you do not keep up repayments on your mortgage.

For more information on personal mortgage options directly from the lender, visit the Bank of Ireland Mortgages page for the latest deals, features, and eligibility criteria.