Bank of Ireland Variable LTV >80% | Mortgage Deals

Available to new customers Up to 3% Cashback

About The Mortgage

Bank of Ireland Variable LTV >80% Mortgage

  • Interest rate: 4.5%. APRC: 4.6%.
  • Minimum age for applicants: 18 years.
  • Available to first time buyers. Available for first time buyers
  • Available to non-first time buyers.
  • Available to new customers.
  • Available to customers looking to switch mortgage provider.
  • Minimum loan amount: €15,000.
  • Minimum term: 5 years.
  • Maximum term: 30 years.
  • Maximum loan-to-value: 80%


Bank of Ireland Variable LTV >80%

4.5% Interest Rate (Variable)

WARNING: If you do not meet the repayments on your Mortgage, you are at risk of losing your home.

Special Offers

Up to 3% Cashback

Receive 2% of your new mortgage back in cash.

If you are a First Time Buyer, Mover or Switching your Mortgage to Bank of Ireland and are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). Drawdown between 5th September 2016 and 30th June 2019. Terms and Conditions apply.

Fees and Charges

Document issuing

A fee charged when you request your mortgage provider to supply additional copies of your mortgage contract or statement of interest.

Vacate fee

A fee charged at the end of a mortgage when you’ve paid the balance in full to release the deeds to your property and remove the bank’s claim on them.

Transfer rate fee

A fee charged when you wish to move from a variable rate mortgage onto a fixed rate mortgage.

Late payment fee

If you do not pay us a repayment instalment or other sum of money by the date you are due to pay it, we may charge you a default interest rate of 0.5% per month or part of a month (which is 6% per year) on the unpaid sum. This default interest is added to normal interest. We do not charge borrowers default interest when they are in a Mortgage Arrears Resolution Process under the Central Bank’s Code of Conduct on Mortgage Arrears and are co-operating reasonably and honestly with us.

Other fees

Security Perfection Fee for Equity Release: €600. This fee covers the Bank’s legal expenses where the Bank agrees to handle an Equity Release loan without the need for a customer to engage his/her own solicitor.


The cost of your monthly repayments may increase. If you do not keep up your repayments you may lose your home.

Bank of Ireland Variable LTV >80%

4.5% Interest Rate (Variable)

WARNING: If you do not meet the repayments on your Mortgage, you are at risk of losing your home.


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