Bank of Ireland UK
BankBank of Ireland UK is one of the largest lenders in the UK mortgage market, offering residential and buy-to-let products through its intermediary and direct channels. With deep roots in banking, they provide competitive products for homebuyers and landlords including high-LTV options for first-time buyers.
Visit WebsiteBank of Ireland UK
Lending Focus
Bank of Ireland UK offers mortgage products across 2 categories including Residential, Buy-to-Let.
Key Features
- Major UK mortgage lender with extensive product range
- Residential mortgages up to 90% LTV
- Buy-to-let lending for individual landlords
- Available through brokers and direct to consumer
- Strong institutional backing and funding stability
Pros & Cons
Pros
- Major UK mortgage lender with extensive product range and institutional backing
- Residential mortgages up to 90% LTV
- Available through both direct and intermediary channels
- Long-established banking heritage since 1783
Cons
- –No bridging, commercial, or specialist lending products
- –Does not offer development finance or self-build
- –Standard high-street criteria may not suit complex cases
Fees & Charges
Arrangement Fee
Typically £999 — varies by product
Valuation Fee
Free valuation on selected products — otherwise varies by property value
Early Repayment Charge
Typically 1–5% during fixed-rate period
Overpayment Allowance
Up to 10% of outstanding balance per year
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Bank of Ireland UK. In the meantime, visit their website for the latest rates.
View rates on Bank of Ireland UKApplication Process
Processing Time
3–5 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months from date of offer
Lending Criteria
Maximum LTV
90%
Frequently Asked Questions
Is Bank of Ireland UK the same as Bank of Ireland in Ireland?
Does Bank of Ireland UK offer buy-to-let mortgages?
Can first-time buyers apply to Bank of Ireland UK?
Is Bank of Ireland UK available through brokers?
How to Apply
Direct & Broker Access
You can apply directly with Bank of Ireland UK or through a mortgage broker. Using a broker gives you access to the whole market and may secure better terms. Find a broker
Contact Information
Need a Bank of Ireland UK Broker?
Find FCA-regulated mortgage brokers who have Bank of Ireland UK on their lender panel.
Find a BrokerRegulatory Status
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.