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If you’re not within four months of your current promotional rate ending, you won’t be able to see your exclusive rates just yet. But don’t worry! You can still register and get access to your customer hub – here’s why.

 
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Bank of Ireland

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AA

We don’t offer advice about Buy to Let mortgages but if you want to speak to us and give us your instruction on the phone get in touch.

* If you have mortgages with us through different brands, you’ll need to register for each brand then use the correct log in. Check your mortgage Offer for details.

• What happens when my promotional rate comes to an end?

  We’ll send you a letter before your promotional deal ends explaining what your options are. If you do nothing, you’ll go onto a variable rate. This means the rate could go up or down at any time and so will your monthly payments. The letter will confirm what your new rate and regular monthly payment will be and when the change will happen.

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• How do I apply for a new mortgage deal?

  Once you’re within four months of your promotional deal ending, visit your customer hub to see if you’re eligible to switch. You’ll be able to view all the rates that you can choose from in one place.

  If you’re happy to proceed, select a new rate and submit your request online. However, you can give us a call on 0800 917 9012* if you’d prefer to speak to us. As we don’t offer any advice on Buy to Let mortgages, we can only provide you with information on our products and take your instructions over the phone.

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• Will my property need to be revalued?

  In most cases, we won’t need to revalue your property when you switch your mortgage deal. However you can pay to have your home revalued if you think the estimated valuation we give is too low and affects the rate you can have. Please get in touch if you want to discuss this.

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• Will solicitors need to be involved?

  Most of the time there’s no need for solicitors to be involved.

  If one is needed, we’ll use a solicitor from our nominated panel. Normally there’s no charge for this.

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• When I switch my deal, can I make other changes at the same time?

  Yes. It’s certainly possible to make other changes at the same time as switching your deal, as long as this meets our current lending criteria.

  For example, you could convert part or all of your interest only mortgage to repayment, change the mortgage term, or borrow more money.

  If you’re applying through your hub, you can request a reduction in mortgage term up to a certain limit. To reduce your term further or make any other changes, you’ll need to get in touch. It’s worth noting that this would include an affordability assessment and you may have to pay to have your home revalued if you want to borrow more.

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• When I switch my deal, can I also pay a lump sum off my mortgage at the same time?

  Yes you can, however you’ll need to get in touch so we can discuss further.

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