You can find out when your current deal ends in your hub. When the time comes, simply apply online. To make things easier for you, the rates online are the same as those available over the phone.
You can request advice through your hub if you’re a homeowner with us. Advice is where we recommend a mortgage deal for you. We don’t offer advice on our Buy to Let deals for landlords.
When can I switch my rate?
You can apply to switch up to six months before your current deal ends, or today if your deal has already ended.
Your new rate will take effect once your current deal ends, or from the 1st of the next month if your mortgage is on a variable rate. To make sure this happens, we must have your Offer acceptance and anything else we’ve asked for by the 19th of the month before the new rate is due to start. Your switch may be delayed by a month if you miss this date.
Option one – Apply online
If your current deal ends within the next six months, or has already ended, getting a new deal is easy through your mortgage hub:
Step 1:
Step 2:
Find out when your current deal ends. You’ll see what deals are available if you’re able to switch. Use the system to see how a new rate and any fees due change your monthly payment. To make things easier for you, our deals online are the same as those available over the phone.
Step 3:
Once you’ve decided on the deal you want, simply apply online. When you apply, you can choose to reduce your mortgage term to pay off your mortgage sooner. You can also arrange for help and speak with one of our mortgage advisers if you’re a homeowner with us.
Fixed rate not ended?
You won’t see any rates yet if you have more than six months before your current deal ends. But why not register for your hub so you’re ready to apply when the time comes.
Option two – Get in touch
If you prefer not to register for your hub or you want to make an overpayment as part of your switch, give us a few details and we’ll get in touch at a time that suits you. Before you do, check out our Bank of Ireland rates or Post Office rates depending which brand your mortgage is with. Our rates can be removed at any time, without notice.
We’re currently very busy and so recommend you book an appointment to talk about your rate. The sooner you contact us the better. Get started now and we’ll do the rest.
Whether you’re new to the hub or just want to know how to use it, our handy hub guides explain how to manage your account and switch your rate. Our FAQs also have lots of help about switching to a new deal.
When can I apply to switch online and when do I need to call?
| What you want to do | Online | Over the phone |
| You’re happy to choose a new deal yourself | ||
| You’re a homeowner and want us to recommend one of our deals for you | ||
| You’re a landlord and want help | ||
| You want to choose a new deal and reduce your term | ||
| You want a new deal and make an overpayment. Read how to do this in our FAQs | ||
| You want a new deal for your previous home which has a consent to let | ||
| You want a new deal and to borrow more money | ||
| You want a new deal and need to make a change to your account which isn’t listed above | ||
| You have more than six months before your current deal ends, but want to switch and pay the Early Repayment Charge |