Helping you find the mortgage you need

We’ve a range of mortgages designed to suit different needs. Whether you’re a new customer or already have a mortgage with us, we’re here to help.



 

Your home may be repossessed if you do not keep up repayments on your mortgage

Already have a mortgage with us

 

As someone who has a mortgage with us, you’ll find lots of information on our existing customer section which you might find useful.

Find out about:

  • How you can change your account details or ask us for information.
  • What rates you can choose when your current deal ends.
  • How you can apply to borrow more.
  • What to do if you’re moving home.
  • What you can do if you think you’ll struggle to pay your mortgage, or experience a significant life event such as bereavement, losing your job or domestic abuse.

 

Existing customer section

Managing your mortgage online

 

The easiest way to manage your mortgage is online using your hub. Its available 24/7 so you can use it at a time that suits you. You can also see what rates we have on offer and apply for a new deal when the time comes. To get started, use the button below to register or log in.

Manage my mortgage

Mortgages for new customers

 

Whether you’re a first time buyer or looking to move home, remortgage or invest in a property, we have a range of mortgages with a variety of incentives for you to choose from.
 

Fixed rate mortgages

Ideal if you want budgeting certainty, these mortgages provide security from possible interest rate rises by fixing your monthly repayments for a set period of time – known as the promotional period. You should be aware that if interest rates fall during the promotional period, the amount you pay will stay the same. When the fixed rate ends, your mortgage will switch to our Standard Variable Rate (SVR).
 

Standard Variable Rate (SVR) mortgage

Our standard mortgage rate is not fixed and can be changed by us at any time.

 

Things to consider

  • Our residential mortgages are only available on a repayment basis.
  • Buy to Let mortgages are available on a repayment or interest only basis or a combination of both. This depends on you and the property you’re mortgaging meeting our lending policy.

With an interest only mortgage, your monthly mortgage payments only pay off the interest charged on your mortgage – and will not reduce the loan itself. So, when your mortgage ends, you’ll still need to repay the original amount borrowed (called ‘the capital’) plus any fees that may have been added over the term of the mortgage.

How to apply

 

There are three ways you can apply for a new mortgage deal:

  1. Talk to a mortgage broker – apply through them
  2. Online – with us
  3. Over the phone – with us

Before you decide, you need to think about whether you’re happy to choose a mortgage on your own and what this means for you.
 

Do you need help choosing a mortgage deal?

You may find it overwhelming with so many mortgage deals to choose from. You can speak with a mortgage broker if you want to talk about all the different rates and options on offer. They’ll also be able to talk you through what best suits your needs.

You could also speak with one of our mortgage specialists about what deals we have available. This service is completely free for you to use. And if you’re looking for a homeowner mortgage, our advisers are on hand if you want them to recommend a deal for you. They’ll check to see if you meet our lending policy, how much you can afford and whether we have any deals that meet your needs. We can’t recommend deals for landlords.
 

Are you happy to choose a mortgage deal yourself?

Then that’s fine too. However, we can’t give advice or make recommendations based on your income and outgoings. Nor can we assess the suitability of the mortgage you want to apply for. You’re in control of your decisions, and we’re not responsible for their outcomes.
 

To start your application:

Online

Apply online when it’s convenient for you – in your own time and at your own pace.

Apply online

Over the phone

We’re happy to speak to you – just give us a call.

0800 0113 366*

*Visit our accessibility support page to call using a British Sign Language (BSL) interpreter. To call using text Relay, dial 18001 then the number you want to call using a textphone or the Relay UK app. All calls are recorded for training and monitoring purposes. Lines are open 9am – 5pm, Monday to Friday. We’re closed on Bank Holidays. 03 calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.

Important documents

 


Lending criteria


Rates guide


General information


Tariff of mortgage charges


Standard legal fees



Full written details and quotations are available on request. All mortgages are subject to status and valuation. Residential mortgages are only available to persons over the age of 18 years. For Buy to Let Mortgages, the principal applicant must be aged 21 years or over.

All information correct as at December 2025.

Bank of Ireland Group provides mortgages in the UK through “Bank of Ireland Mortgages” and “Bank of Ireland UK”.

If you are in doubt as to your mortgage provider or have any queries relating to our UK mortgage products or services, please contact our UK administration centre at:

Bank of Ireland (UK Mortgages)
PO Box 3191
Bristol
BS1 9HY

Phone: 0345 300 8000
Email: mortgage.services@boi.com