Whether you’re buying one or making one, Welcome Home.
Provide your Building Energy Rate (BER) to get your EcoSaver Mortgage fixed interest rate.
Every time you complete energy upgrades and your BER goes up a letter, we’ll bring your EcoSaver Mortgage rate down* – just submit your BER certificate.
*Subject to terms and conditions
Buying your first home? We’re here to help. From saving for a deposit to mortgage approval, we are with you every step of the way.
If you already have a mortgage with us you can get information on your mortgage such as rates, repayments and equity release.
Thinking about switching? Switch your mortgage today and see how much you could save.
Buying a rental property? We can help you reach your investment goals with our Buy-to-Let mortgage.
uying your first home? We’re here to help. From saving for a deposit to mortgage approval, we are with you every step of the way.
If you already have a mortgage with us you can get information on your mortgage such as rates, repayments and equity release.
Building a home? We can provide assistance for your property development plans with our Self-Build mortgage.
Open a MortgageSaver account and we’ll top up your savings by €2,000 bonus interest (less DIRT) at drawdown 1 (terms and conditions apply).
Get 2% of your mortgage back as cash up front, plus 1% extra in 5 years(subject to meeting the conditions of the mortgage). 2
We want to help you to make the most of your mortgage. Have a look at how you can flex your mortgage to suit your lifestyle with our Flexi-Options.
Choose from our range of competitive fixed and variable interest options include fixed rates between 1 year and 10 years.
Explore our mortgage media hub for informative videos and podcasts covering everything you need to know about mortgages. Get expert insights and advice to guide you through your mortgage journey.
Got a question? Our FAQs may help. Go to our Help Centre to see a full list of frequently asked questions.
A mortgage is a security over a house or land and sometimes over other types of property. For example, security in the form of a mortgage is usually given to a bank or building society to enable it lend to a borrower to finance the purchase of a property. A loan secured by a mortgage can be called a mortgage loan.
If you are concerned you may experience longer term financial pressure and would like to explore additional supports to help you repay your mortgage loan, we are here to discuss this with you. Click here to find out more.
First Time Buyer If you have never purchased a property before you will be eligible for a First Time Buyer mortgage. A First Time Buyer is defined as a person who has never before, either on his or her own or with others, purchased a house, a site to build a house, or an apartment, in Ireland or abroad. In the case of a joint application, both parties must be first-time buyers for the mortgage to be a First Time Buyer mortgage. Movers and Switchers If you are moving house, see our Home Movers mortgage options. If you want to switch your mortgage from your current bank to Bank of Ireland our Switcher mortgage can make that happen. EcoSaver Mortgage Are you buying or building a property with a high level of energy efficiency? Now you can apply for Bank of Ireland’s EcoSaver Mortgage fixed interest rate. Investor If you want to get into the Buy to Let market, see our Investor mortgage.
TRS was a tax relief on mortgage interest paid on qualifying mortgage loans taken out between 1 January 2004 and 31 December 2012. TRS was only available up to 31 December 2020. Where applicable, some TRS recipients will receive a final balancing payment in March 2021. If you have any queries about your TRS entitlement you can go to Revenue Commissioners. Call the TRS Helpline on 01 738 3663 or email trsadmin@revenue.ie Bank of Ireland cannot accept responsibility for information on third party websites.
You can also request a callback or give us a call on 0818 365 345.
Our phone lines are open at the following times:
Monday – Friday: 9am – 5pm
The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. A typical mortgage to buy your home of €100,000 over 20 years with 240 monthly instalments costs €613.16 per month at 4.15% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. The total amount you pay is €147,482.50. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income (4 times gross annual income for first time buyers) and 90% of the property value. A 1% interest rate rise would increase monthly repayments by €53.89 per month. The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home. Available to over 18s only. APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years.
Warning: The cost of your monthly repayments may increase. Warning: If you do not keep up your repayments you may lose your home. Warning: You may have to pay charges if you pay off a fixed–rate loan early.Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.
1 Available for first time buyers only who draw down a mortgage with us within 30 months of MortgageSaver account opening. MortgageSaver provided by Bank of Ireland. Bank of Ireland is regulated by the Central Bank of Ireland. Bonus Interest subject to DIRT at the prevailing rate, paid after drawdown. Details at bankofireland.com/mortgagesaver. Terms and conditions apply.
2 Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2024. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. As of 18 April 2024, cashback will not be available for new mortgage loans that draw down on a standard variable rate. Terms and conditions apply.
Bank of Ireland Group plc is a public limited company incorporated in Ireland, with its registered office at 2 College Green, Dublin, D02 VR66 and registered number 593672. Bank of Ireland Group plc, whose shares are listed on the main markets of the Irish Stock Exchange plc and the London Stock Exchange plc, is the holding company of Bank of Ireland.
Bank of Ireland is regulated by the Central Bank of Ireland. In the UK, Bank of Ireland is regulated by the Central Bank of Ireland and authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
