The Bank of Ireland (BOI) operates in the UK through Bristol & West plc. Bank of Ireland believes in enabling as many people as possible to purchase their own home, as reflected by a wide range of mortgages on offer for properties up to £1million.
Key BOI mortgages include "1st Start" – a joint mortgage between applicants and their parents for up to 95% of property value – and the "EasySwitch" range of remortgages. Could they be the right mortgages for you? We suggest you get help from an unbiased adviser, who can recommend the best deal.
More about BOI Mortgages & Remortgages
Currently the lowest Bank Of Ireland mortgage / remortgage interest rate is 6.49%. This is offered on a 5-year fixed rate deal (until September 2013), although not everyone will qualify as the maximum Loan-To-Value on this deal is 75%.
They also cater for up to 90% loan-to-value on the same 5-year term for a slightly higher fixed rate of 6.99%.
Both these deals have a percentage fee of 1% of the loan advance. So this could benefit those of you with smaller mortgages, although it might be less good for borrowers with large amounts still outstanding.
There are a further 9 variations on Bank Of Ireland's mortgage range, including self-cert and buy-to-let, all with different rates and qualifying conditions. For expert help choosing a BOI mortgage, speak to an impartial adviser.
Choosing a Bank Of Ireland Mortgage
To find out if a Bank of Ireland Mortgage (or any other mortgage/lender for that matter) is suitable for you, the best thing to do is to compare the rest of the market. To do this on your own would take time, so we suggest you to consult an FSA-approved mortgage adviser.
It's a quick way of getting an impartial overview. Advisers have impartiality guaranteed, which means they will always work in your best interest. Better still, it works via a free call-back without any obligation.
Fill in the secure, 1-minute enquiry form to get a free call back with mortgage advice and a quote, representative of the whole of market, with no strings attached.