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.
About Bank of Ireland UK
Bank of Ireland UK is the UK banking arm of Bank of Ireland Group, one of Ireland's largest financial institutions. The UK operation is one of the largest lenders in the UK mortgage market, offering residential and buy-to-let products through both intermediary and direct channels. Bank of Ireland has deep roots in banking dating back to 1783.
Bank of Ireland UK provides competitive products for homebuyers and landlords, including high-LTV options for first-time buyers. The bank serves customers across the UK through its broker network and direct channels. Bank of Ireland has built strong relationships with mortgage intermediaries.
Bank of Ireland UK is regulated by the FCA and PRA and operates as a ring-fenced bank. The bank benefits from the financial strength of its parent group and has been a significant player in the UK mortgage market for many years.
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. View rates on Bank of Ireland UK
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application 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?
Bank of Ireland UK is a UK-regulated subsidiary of Bank of Ireland Group, operating under UK PRA/FCA regulation with its own product range for UK borrowers.
Does Bank of Ireland UK offer buy-to-let mortgages?
Yes, Bank of Ireland UK provides buy-to-let lending for individual landlords alongside their residential mortgage range.
Can first-time buyers apply to Bank of Ireland UK?
Yes, Bank of Ireland UK offers competitive products for first-time buyers, including high-LTV options of up to 90%.
Is Bank of Ireland UK available through brokers?
Yes, Bank of Ireland UK mortgages are available through brokers and direct to consumer channels.
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Barclays | Residential, Buy-to-Let, Commercial | Bank | 95% |
| Co-operative Bank | Residential, Buy-to-Let | Bank | 95% |
| Halifax | Residential, Buy-to-Let, Shared Ownership+1 | Bank | 95% |
| Lloyds Bank | Residential, Buy-to-Let, Shared Ownership+1 | Bank | 95% |
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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.
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