Product transfer
Is your customer thinking of transferring their mortgage rate? Find out what options are available to them.
How it worksFor intermediary use only
If your customer is looking to transfer their mortgage rate, you'll find all our existing customer products below.
Is your customer thinking of transferring their mortgage rate? Find out what options are available to them.
How it worksYou can transfer their mortgage if you or your firm introduced your customer's current mortgage after June 2014. If you did not initially introduce your customer's mortgage or the mortgage started before June 2014, call our intermediary enquiry line on 0345 266 8928*.
Use our new business products for new customer cases.
The Bank of Ireland Standard Variable Rate is currently 4.09%. The Bank of England Base Rate is currently 0.1%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 02/10/2020.
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 2.47% Fixed | until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.9% APRC | £995 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | T3K |
| 2 Yrs | 2.71% Fixed | until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.9% APRC | £0 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | T3L |
| 5 Yrs | 2.67% Fixed | until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.6% APRC | £995 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | T3M |
| 5 Yrs | 2.83% Fixed | until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.6% APRC | £0 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | T3N |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 2.47% Fixed | until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.9% APRC | £995 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | T3P |
| 2 Yrs | 2.71% Fixed | until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.9% APRC | £0 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | T3Q |
| 5 Yrs | 2.67% Fixed | until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.6% APRC | £995 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | T3R |
| 5 Yrs | 2.83% Fixed | until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.6% APRC | £0 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | T3S |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 3.23% Fixed | until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £995 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | T3T |
| 2 Yrs | 3.52% Fixed | until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | T3U |
| 5 Yrs | 3.29% Fixed | until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.9% APRC | £995 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | T3V |
| 5 Yrs | 3.58% Fixed | until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.9% APRC | £0 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | T3W |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 3.59% Fixed | until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | T3X |
| 5 Yrs | 3.80% Fixed | until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | T3Y |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 3.89% Fixed | until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.2% APRC | £0 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | SF7 |
| 5 Yrs | 3.99% Fixed | until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.2% APRC | £0 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | SF8 |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| Any Term | 4.09% Variable | which is our Standard Variable Rate for the entire mortgage term |
4.2% APRC | £0 | None | None | 9S8 |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 2.91% Fixed | until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.9% APRC | £0 | None | 3% until 31/03/2022 then 2% until 31/03/2023 | T8S |
| 5 Yrs | 3.03% Fixed | until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.6% APRC | £0 | None | 4% until 31/03/2023 then 3% until 31/03/2025 then 2% until 31/03/2026 | T8T |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 3.62% Fixed | until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 3% until 31/03/2022 then 2% until 31/03/2023 | T8U |
| 5 Yrs | 3.68% Fixed | until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.0% APRC | £0 | None | 4% until 31/03/2023 then 3% until 31/03/2025 then 2% until 31/03/2026 | T8V |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 3.64% Fixed | until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 3% until 31/03/2022 then 2% until 31/03/2023 | T8W |
| 5 Yrs | 3.85% Fixed | until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 4% until 31/03/2023 then 3% until 31/03/2025 then 2% until 31/03/2026 | T8X |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 3.89% Fixed | until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 3% until 31/03/2022 then 2% until 31/03/2023 | T8Y |
| 5 Yrs | 3.99% Fixed | until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 4% until 31/03/2023 then 3% until 31/03/2025 then 2% until 31/03/2026 | T8Z |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| Any Term | 4.09% Variable | which is our Standard Variable Rate for the entire mortgage term |
4.2% APRC | £0 | None | None | 9S7 |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 2.91% Fixed | until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.0% APRC | £0 | None | 3% until 31/03/2022 then 2% until 31/03/2023 | T9A |
| 5 Yrs | 3.03% Fixed | until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
3.8% APRC | £0 | None | 4% until 31/03/2023 then 3% until 31/03/2025 then 2% until 31/03/2026 | T9B |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 3.62% Fixed | until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 3% until 31/03/2022 then 2% until 31/03/2023 | T9C |
| 5 Yrs | 3.68% Fixed | until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.0% APRC | £0 | None | 4% until 31/03/2023 then 3% until 31/03/2025 then 2% until 31/03/2026 | T9D |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 3.64% Fixed | until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 3% until 31/03/2022 then 2% until 31/03/2023 | T9E |
| 5 Yrs | 3.85% Fixed | until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 4% until 31/03/2023 then 3% until 31/03/2025 then 2% until 31/03/2026 | T9F |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 3.89% Fixed | until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 3% until 31/03/2022 then 2% until 31/03/2023 | T9G |
| 5 Yrs | 3.99% Fixed | until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable |
4.1% APRC | £0 | None | 4% until 31/03/2023 then 3% until 31/03/2025 then 2% until 31/03/2026 | T9H |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| Any Term | 4.09% Variable | which is our Standard Variable Rate for the entire mortgage term |
4.2% APRC | £0 | None | None | 9S6 |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 2.47% Fixed | until 31/12/2022 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term |
4.3% APRC | £995 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | T3Z |
| 2 Yrs | 2.71% Fixed | until 31/12/2022 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term |
4.3% APRC | £0 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | T4A |
| 5 Yrs | 2.67% Fixed | until 31/12/2025 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term |
3.9% APRC | £995 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | T4B |
| 5 Yrs | 2.83% Fixed | until 31/12/2025 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term |
3.8% APRC | £0 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | T4C |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 2.65% Fixed | until 31/12/2022 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term |
4.4% APRC | £995 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | T4D |
| 2 Yrs | 2.88% Fixed | until 31/12/2022 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term |
4.3% APRC | £0 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | T4E |
| 5 Yrs | 2.90% Fixed | until 31/12/2025 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term |
4.0% APRC | £995 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | T4F |
| 5 Yrs | 3.08% Fixed | until 31/12/2025 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term |
4.0% APRC | £0 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | T4G |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| 2 Yrs | 3.99% Fixed | until 31/12/2022 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term |
4.6% APRC | £0 | None | 3% until 31/12/2021 then 2% until 31/12/2022 | T4H |
| 5 Yrs | 4.30% Fixed | until 31/12/2025 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term |
4.6% APRC | £0 | None | 4% until 31/12/2022 then 3% until 31/12/2024 then 2% until 31/12/2025 | SH2 |
| Term | Rate | Description | The Overall Cost of Comparison | Product Fee | Features | Early Repayment Charges (% of the sum repaid) | Code |
|---|---|---|---|---|---|---|---|
| Any Term | 4.59% Variable | which is Bank of England Base Rate plus 4.49% for the entire mortgage term |
4.7% APRC | £0 | None | None | 5N9 |
until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2022 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/12/2025 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
which is our Standard Variable Rate for the entire mortgage term
None
until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
which is our Standard Variable Rate for the entire mortgage term
None
until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
until 31/03/2026 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.09% variable
None
which is our Standard Variable Rate for the entire mortgage term
None
until 31/12/2022 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term
None
until 31/12/2022 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term
None
until 31/12/2025 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term
None
until 31/12/2025 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term
None
until 31/12/2022 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term
None
until 31/12/2022 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term
None
until 31/12/2025 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term
None
until 31/12/2025 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term
None
until 31/12/2022 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term
None
until 31/12/2025 then 4.59% variable which is Bank of England Base Rate plus 4.49% for the rest of the mortgage term
None
which is Bank of England Base Rate plus 4.49% for the entire mortgage term
None
Is your customer thinking of transferring their mortgage rate? Find out what options are available to them.
How it works