Bank of Ireland (NI) Mortgages

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Last updated on 08 March 2021.

Bank of Ireland Mortgages FAQ

What is the Bank of Ireland?

The Bank of Ireland is a separately incorporated subsidiary of the Bank of Ireland Group, which has been a leading retail bank in Ireland since its inception in 1783. Through their long-term partnerships with the AA and the Post Office, the Bank of Ireland offers a full range of products, including mortgages, credit cards, savings and personal loans to over two million customers.

What types of mortgage does the Bank of Ireland offer?

The Bank of Ireland offers a range of both fixed and tracker mortgages. The bank’s mortgages are tailored to suit all kinds of customers, including those looking to purchase their first property, those looking to remortgage or move property and those looking to build their next home. There are also mortgages to suit landlords looking for buy-to-let mortgages, as well as exclusive offers for those who are already current account holders.

The types of mortgage available to you will depend on your individual circumstances and the property you are purchasing.

How do I apply for a mortgage with the Bank of Ireland?

Once you know which mortgage you would like to apply for, you can apply online, by phone or in your nearest branch.

If you apply online, you can opt to either apply with advice or apply without advice. If you would like to know the range of mortgages offered and find out the criteria and eligibility for each, your best bet is to apply with advice. If you already know which mortgage product you would like to apply for, you should be fine to apply without advice.

Does the Bank of Ireland offer incentives to those looking to switch mortgage providers?

If you are looking for a cheaper or more competitive rate for your mortgage, the Bank of Ireland will sometimes offer a range of products for customers who are looking to switch. Check what’s available at the time you apply, but typically offers can include fixed rates for up to five years, cashback payable on completion and no standard valuation or product fees. Terms and conditions apply, so speak to one of their mortgage representatives to find out what they can offer.

Are there any fees associated with applying for a mortgage with the Bank of Ireland?

As with many other mortgage providers, there will be fees associated with both applying for a mortgage and the completion of the purchase. To find out more about fees, contact the Bank of Ireland online or by phone or pop in to your nearest branch.

What happens when my Bank of Ireland mortgage deal runs out?

If you have a Bank of Ireland mortgage and your initial deal period is up, your interest rate will revert back to the bank’s standard variable rate. Alternatively, if you would prefer to switch to another deal, you may do so depending on your agreement.

Services offered by this provider may change over time. Always check Ts&Cs.

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Koodoo is the trading name of Mortgage Power Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 845978), and is a registered company in England and Wales (company registration number 10978680), with a registered address at Scale Space, 58 Wood Lane, London, W12 7RZ

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