Mortgage Rates

Bank of Ireland Mortgage Rates - October 2026

Current Bank of Ireland residential, buy-to-let and product transfer rates, reviewed monthly. Compare against the whole market through DBF - whole-of-market broker, FCA 814533.

Next review: November 2026

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your Bank of Ireland mortgage

DBF Product Transfer System

If you decide to stay with Bank of Ireland at renewal, we process your product transfer through our dedicated system - faster than applying direct in many cases, with all paperwork handled on your behalf.

Cashback on like-for-like deals

Eligible clients who stay with their existing lender on a like-for-like product transfer can receive cashback - an incentive not available when applying direct. Ask us about eligibility.

We compare the whole market first - and if Bank of Ireland is still the best option, we make the process faster and more rewarding. Get a free comparison or call 0204 6211776.

Whole-of-market mortgage comparison
No upfront fees on advice
Product transfer system for faster renewals
Cashback available on eligible like-for-like deals
FCA authorised 814533

Residential Mortgage Rates

Illustrative rates - reviewed October 2026. Subject to change. For accuracy, get a personalised quote.
Product	60% LTV	75% LTV	85% LTV
2-Year Fixed	3.84%	4.09%	4.44%
5-Year Fixed	3.74%Best	3.99%	4.34%
2-Year Tracker	4.99%	–%	–%
Standard Variable Rate (SVR)	7.99%

Buy-to-Let Mortgage Rates

Buy-to-let illustrative rates - October 2026. Subject to change.
Product	60% LTV	75% LTV
2-Year Fixed BTL	4.34%	4.64%
5-Year Fixed BTL	4.24%Best	4.54%

Product Transfer Rates

Product transfer rates are typically 0.1–0.2% below equivalent new deal rates. Cashback available on eligible like-for-like transfers through DBF.
Product Transfer Type	Indicative Rate	Cashback via DBF
2-Year Fixed Product Transfer	3.69%	Cashback available
5-Year Fixed Product Transfer	3.64%	Cashback available

About Bank of Ireland

Bank of Ireland UK is a significant residential mortgage lender in Great Britain, operating through the intermediary channel with a broad product range for home movers, remortgagers and first-time buyers. As part of the wider Bank of Ireland Group, they bring institutional depth and generally consistent criteria to a competitive product set.

Bank of Ireland UK is a solid choice for standard residential cases and buy-to-let lending, with products spanning 60% to 90% LTV for residential borrowers. Their rates are typically competitive against other high-street-tier lenders, and their broker support model is well-regarded. They also operate the Post Office mortgage brand, extending their reach through that partnership.

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Tell us about your mortgage and we will compare Bank of Ireland's current rates against the whole market - free, fast and with no obligation.

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FAQs

Frequently asked questions

What is Bank of Ireland's best mortgage rate in October 2026?

Bank of Ireland UK's best rate in October 2026 is approximately 3.74% on a 5-year fixed at 60% LTV. Their 2-year fixes at the same LTV start from around 3.84%.

Can I get cashback on a Bank of Ireland product transfer?

Yes - through Doulton Bridging Finance. Eligible clients renewing with Bank of Ireland on a like-for-like product transfer can receive cashback when processed via DBF. This is not available when applying direct to Bank of Ireland.

Is it faster to renew my Bank of Ireland mortgage through a broker?

DBF's product transfer system can process Bank of Ireland renewals faster than applying direct in many cases. We handle all paperwork and submission on your behalf and compare the whole market first to confirm Bank of Ireland remains competitive.

What is Bank of Ireland's SVR in October 2026?

Bank of Ireland UK's Standard Variable Rate in October 2026 is approximately 7.99%. Customers who don't act when their fixed term ends revert to this rate. Contact DBF before your deal expires to compare alternatives.

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