Bank of Ireland UK offers a host of different products and services in Northern Ireland and Great Britain including mortgages. 

What are the mortgage products the Bank of Ireland offers?  

Bank of Ireland has a range of both fixed and tracker mortgages to suit all customers. New mortgage products are available to Northern Ireland customers only. 

How can I apply for a Bank of Ireland mortgage product? 

Mortgages can be applied for via a broker or directly online at the Bank of Ireland website.

Can Bank of Ireland help residential mortgage customers? 

Both residential and buy-to-let mortgages are available at Bank of Ireland. 

Can Bank of Ireland help Self-employed mortgage customers? 

Bank of Ireland offers mortgages to the self -employed. The applicant must have been trading for 3 years but only the last 2 years' accounts are required to be submitted.

Can Bank of Ireland help first time buyer mortgage customers? 

Bank of Ireland has a range of mortgages to choose from with LTVs up to 90%. First time buyer mortgages options cover a variety of options to help meet your needs including fixed or variable rates.

Can Bank of Ireland help adverse mortgage customers? Or customers with poor credit rating?

Bank of Ireland has some conditions for adverse credit applicants. Applications with more than one instance of adverse credit history will be declined and adverse credit will limit LTV to 85%.

Can Bank of Ireland help later life or retired mortgage customers? 

Bank of Ireland states that the applicant should be no more than 75 years old at the end of the mortgage term.

Can Bank of Ireland help with second charge mortgages, secured loan or homeowner customers?  

Bank of Ireland only allows second charge mortgages to remain if the bank is granted the first legal charge over the property.

Can Bank of Ireland help buy to let mortgage customers? 

Bank of Ireland offers buy to let mortgages, applicants can have up to three Buy to Let mortgaged properties.

Can Bank of Ireland help with commercial or short-term mortgage customers? 

Bank of Ireland has a dedicated corporate commercial real estate department.

What Credit scoring agency does the Bank of Ireland use? 

Bank of Ireland uses Experian for credit scoring.