Skip Navigation

Existing Customers

Everything you need to manage your current mortgage

Whether you’re looking to move house, change your mortgage rate or arrange further borrowing we want to be here for you every step of the way.

Benefits of staying with us

  • A name you can trust – You know us, so you can be sure you’ll continue to enjoy the high levels of customer service you’ve come to expect from us
  • As an existing customer, if you are looking to change your rate or borrow more, we already hold your details so in most cases you won't have to go through a lengthy application process

To make changes to your mortgage…

From time to time you may need to make changes to your mortgage account, such as amending your bank details or making an overpayment. To find out more call us on 0345 300 8000*.

Please be aware that if you are currently in a promotional period, you'll need to pay any Early Repayment Charges applicable if you want to make a large overpayment (normally over 10% of your existing mortgage balance), pay off your account early, or change to a new rate.

call us on 0345 300 8000* or

Interest Only Mortgages

For further information regarding your options on Interest Only Mortgages please follow the link below.

Interest Only Mortgages

Changing your rate

Changing your rate

If you’re coming to the end of your promotional rate, are on our Standard Variable Rate or your circumstances have changed, it could be an ideal time to review your mortgage. We have options for customers who’d like to change their mortgage rate without moving home. To find out more click here

Borrowing more

Borrowing more

If you already have a mortgage with us, you could borrow more on top of your current mortgage (known as a further loan), for reasons including:

  • making improvements to your home or property
  • helping a close relative buy their first home.

Please note your current rate (whether fixed or variable) will remain in place, and any new borrowing will be on a rate from our 'Further Lending' mortgage range. Additional borrowing is subject to status and approval. To find out more click here

Moving home

Moving home

As an existing residential customer you could take your current mortgage rate with you when you move home, known as 'Porting'. You might also be able to borrow more at the same time if you need a bigger mortgage - you simply arrange a new rate for the extra amount. Terms and conditions apply. To find out more click here

Payment Difficulties

If you're in arrears or are struggling to keep up with your mortgage payments, please click here for more details on how we could help.

General Information

Full written details and quotations are available on request. All mortgages are subject to status and valuation and are only available to persons over the age of 18 years.

All information correct as at 1st December 2015.

Bank of Ireland Group provides mortgages in the UK through "Bank of Ireland Mortgages" and "Bank of Ireland UK".

Bank of Ireland Mortgages is a trading name of the UK branch of the Governor and Company of the Bank of Ireland (with branch number BR000459) which is authorised by the Central Bank of Ireland and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from us on request. The registered office of the UK branch of the Governor and Company of the Bank of Ireland is 1 Temple Back East, Temple Quay, Bristol, BS1 6DX.

If you are in doubt as to your mortgage provider or have any queries relating to our UK mortgage products or services please contact our UK administration centre at: Bank of Ireland (UK Mortgages), PO Box 3191, Bristol, BS1 9HY. Phone: (0117) 979 2222. Fax (0117) 929 3878.