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Remortgaging

Finding a remortgage deal that’s right for you

If you’re looking to stay in your home and switch from your current lender, we have a range of mortgages that could help you to save money. You may be able to switch to a better rate, or you may want to choose a mortgage that helps you save on upfront costs. You could also borrow more for reasons including home improvements or helping a close relative buy their first home.

Before you consider remortgaging you should check with your existing mortgage provider to see whether there are any Early Repayment Charges or fees that you’ll have to pay if you leave them. If you decide to switch, you should also take into consideration any potential future rate changes that may affect you including the rate that you revert to once your promotional rate ends and any increases in the Bank of England Base Rate or in our Standard Variable Rate.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Apply in branch, over the phone or online

Features

Fixed

  • Ideal if you want budgeting certainty, these mortgages provide security from possible interest rate rises by fixing your monthly repayments for a set period
  • You can choose how long your fixed rate lasts from a range of options
  • Remember, if rates rise or fall during the set period, the amount you pay will stay the same

Variable

  • Ideal for those who do not need the security of a fixed rate and are able to budget for changes in their mortgage payments
  • We offer our Standard Variable Rate
  • Remember, variable rates can rise or fall during the mortgage term, which will affect the amount you pay

Easy Switch

With an Easy Switch mortgage, you will benefit from the following incentives:

  • No product fee
  • We pay the Standard Valuation fee and
  • We pay your standard legal fees (when you use our nominated solicitors)

Rates and Criteria

View our full range of mortgage rates and related lending criteria for new customers.

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 30 December 2016.

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. mortgage.services@boipluk.co.uk