Mortgages

Bank of Ireland Mortgages

Competitive UK mortgage products from Bank of Ireland. Residential, buy-to-let, and remortgage options backed by centuries of banking heritage.

Major Bank

Heritage banking with competitive UK lending

Bank of Ireland has operated in the UK market for decades, building a strong mortgage proposition that competes directly with the major high street banks. Their UK operation benefits from the financial strength of one of Ireland's largest banking groups.

Through Doulton, you can access Bank of Ireland's full intermediary product range, often including exclusive rates and deals not available through their direct channels. We ensure their products genuinely represent the best option before proceeding.

1783

Established

Wide Lending

95%

Max LTV

Green

Products

Why Doulton

Bank of Ireland through Doulton

Established Financial Institution

Founded in 1783, Bank of Ireland brings centuries of banking heritage to the UK mortgage market, combining stability and experience with competitive product offerings.

Competitive UK Rates

Bank of Ireland consistently offers competitive fixed and variable rate mortgages in the UK market, often providing strong alternatives to the main high street lenders.

Residential and Buy-to-Let

A full range of mortgage products covering first-time buyers, home movers, remortgages, and buy-to-let investors, with options across multiple loan-to-value bands.

Broker-Friendly Approach

Bank of Ireland values its intermediary relationships and provides dedicated broker support, ensuring applications are handled efficiently with direct access to underwriters.

Flexible Overpayment Options

Many Bank of Ireland products allow overpayments of up to 10% per year without early repayment charges, giving borrowers flexibility to reduce their balance faster.

Green Mortgage Products

Bank of Ireland offers preferential rates for energy-efficient properties, rewarding borrowers who purchase or improve homes with strong EPC ratings.

The Process

How it works

Requirements Review

We discuss your mortgage needs and assess whether Bank of Ireland's current product range offers the best fit for your circumstances and budget.

Product Matching

We identify the most suitable Bank of Ireland product and compare it against alternatives to ensure you are getting genuinely competitive terms.

Application Management

We handle your application through Bank of Ireland's intermediary channel, managing documentation and liaising with their underwriting team on your behalf.

Completion Support

From offer to completion, we coordinate with Bank of Ireland and your solicitor to ensure everything progresses smoothly to your target date.

Explore Bank of Ireland mortgage rates

Let us compare Bank of Ireland's current products against the wider market to find the best mortgage for your needs.

Get a Quote Compare Rates

FAQs

Frequently asked questions

Can I get a Bank OF Ireland mortgage through Doulton?

Yes. We hold broker agencies with Bank OF Ireland where available and can access their intermediary product range. Where Bank OF Ireland is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Bank OF Ireland via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Bank OF Ireland cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Bank OF Ireland offer?

Bank OF Ireland's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Bank OF Ireland can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

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