Lenders · Bank of Ireland
Bank of Ireland: what it offers and who it suits
Checked 21 Oct 2026Bank of Ireland's own pages and the Central Bank register.
Buyers who value cashback at drawdown and want to compare it honestly against a lower High Value rate, and homes with a good BER, which earns a lower rate on every fixed term.
- Regulated as
- a bank by the Central Bank of Ireland
- How to apply
- Direct, or through a mortgage advisor
- Overpay on a fixed rate
- 10% of the balance a year without a fee
- Longest term
- 35 years, to age 70
- Switcher offer
- 2% cashback2% cashback at drawdown and 1% after five years on the standard fixed rates; none on the High Value rates or the variable rate.
- First-time buyers
- 2% cashback at drawdown and 1% after five years on the standard fixed rates; the rate depends on the home's BER.
- Green rate
- Yes, for a BER B3 or better
- The lender’s own rates page
- personalbanking.bankofireland.com/borrow/mortgages/mortgage-interest-rates/
Rates checked
| Cashback | Checked | |||||
|---|---|---|---|---|---|---|
| High Value 4 year fixed, BER Bloans from €250,000 | any LTV to 90% | 4 yr | 3.15% | 3.80% | none | 21 Oct 2026 |
| High Value 1 year fixed, BER Bloans from €250,000 | any LTV to 90% | 1 yr | 3.35% | 4.20% | none | 21 Oct 2026 |
| High Value 5 year fixed, BER Bloans from €250,000 | any LTV to 90% | 5 yr | 3.45% | 3.90% | none | 21 Oct 2026 |
| High Value 7 year fixed, BER Bloans from €250,000 | any LTV to 90% | 7 yr | 3.50% | 3.80% | none | 21 Oct 2026 |
| 2 year fixed, BER B | any LTV to 90% | 2 yr | 3.85% | 4.20% | 2% | 21 Oct 2026 |
| 3 year fixed, BER B | any LTV to 90% | 3 yr | 3.95% | 4.20% | 2% | 21 Oct 2026 |
| 5 year fixed, BER B | any LTV to 90% | 5 yr | 3.95% | 4.20% | 2% | 21 Oct 2026 |
| Standard variable | any LTV to 90% | variable | 4.15% | 4.30% | none | 21 Oct 2026 |
| 10 year fixed, BER B | any LTV to 90% | 10 yr | 4.25% | 4.40% | 2% | 21 Oct 2026 |
How it compares
See Bank of Ireland beside every other lender on the rates comparison, and check what a switch would save after fees with the switching calculator. Before you deal with any lender or advisor, check the Central Bank register.
Information, not advice. Nothing here is a recommendation; the right lender depends on your own circumstances, which only a lender or a regulated advisor can assess. Last checked 2026-10-21. MortgageWise is an independent site, not connected with the Central Bank of Ireland, Revenue, the Housing Agency, any local authority, any lender or any Government department. It is not a lender, a mortgage broker, a credit or insurance intermediary, a solicitor, a tax adviser or a financial adviser. It covers the Republic of Ireland only. Before you sign anything, talk to a solicitor and, for advice on a mortgage, to an advisor regulated by the Central Bank of Ireland.