Buy to Let Products

Find the right products to suit your clients’ needs. For existing mortgage customers, see our product transfer and further advance product pages.

Buy to Let calculator
Buy to Let Top Slicing
Buy to Let lending criteria
Energy Efficient Buy to Let

We offer a range of Buy to Let mortgages, giving your clients greater choice. Use the filters below to find the right product for your client.

The Bank of Ireland Standard Variable Rate is currently 6.94%. The Lending Fee is £195 (due on completion, but can be deferred until mortgage is fully repaid). All information correct as at 16/09/2026.

Products being withdrawn will be labelled as 'closing soon.'

Is the product you’re looking for not showing? It may have been withdrawn. Please get in touch.

75% LTV | Buy to Let Energy Efficient Fixed Rates | ICR (Interest Cover Ratio)

Print products

Term	Rate	Description	Overall cost of comparison	Product Fee	Features	Early Repayment Charges (% of the sum repaid)	Code
2 years	4.85% Fixed	until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.8% APRC	£1995	Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C Standard Valuation Fee Paid by Lender Standard legal fees paid by Lender (for remortgages only) Repayment Methods: Interest Only, Part & Part, Capital Repayment	3% until 31/12/2027, then 2% until 31/12/2028	APQE
2 years	5.02% Fixed	until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.8% APRC	£995	Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C £300 Cashback paid to solicitor with advance Standard Valuation Fee Paid by Lender Minimum Loan £50,000 Repayment Methods: Interest Only, Part & Part, Capital Repayment	3% until 31/12/2027, then 2% until 31/12/2028	APQG
5 years	5.17% Fixed	until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.4% APRC	£1995	Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C Standard Valuation Fee Paid by Lender Standard legal fees paid by Lender (for remortgages only) Repayment Methods: Interest Only, Part & Part, Capital Repayment	4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031	APQH
5 years	5.24% Fixed	until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.4% APRC	£995	Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C £300 Cashback paid to solicitor with advance Standard Valuation Fee Paid by Lender Minimum Loan £50,000 Repayment Methods: Interest Only, Part & Part, Capital Repayment	4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031	APQJ

75% LTV | Buy to Let Energy Efficient Fixed Rates | Top Slicing

Print products

Term	Rate	Description	Overall cost of comparison	Product Fee	Features	Early Repayment Charges (% of the sum repaid)	Code
2 years	4.94% Fixed	until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.8% APRC	£1995	Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C Standard Valuation Fee Paid by Lender Standard legal fees paid by Lender (for remortgages only) Repayment Methods: Interest Only, Part & Part, Capital Repayment	3% until 31/12/2027, then 2% until 31/12/2028	APQK
2 years	5.08% Fixed	until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.7% APRC	£995	Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C Standard Valuation Fee Paid by Lender Standard legal fees paid by Lender (for remortgages only) Repayment Methods: Interest Only, Part & Part, Capital Repayment	3% until 31/12/2027, then 2% until 31/12/2028	APQL
5 years	5.19% Fixed	until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.4% APRC	£2495	Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C Standard Valuation Fee Paid by Lender Standard legal fees paid by Lender (for remortgages only) Repayment Methods: Interest Only, Part & Part, Capital Repayment	4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031	APQN
5 years	5.24% Fixed	until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.4% APRC	£1495	Property must have either a Predicted Energy Assessment or current valid Energy Performance Certificate with a rating of A-C Standard Valuation Fee Paid by Lender Standard legal fees paid by Lender (for remortgages only) Repayment Methods: Interest Only, Part & Part, Capital Repayment	4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031	APQP

75% LTV | Buy to Let Fixed Rates | ICR (Interest Cover Ratio)

Print products

Term	Rate	Description	Overall cost of comparison	Product Fee	Features	Early Repayment Charges (% of the sum repaid)	Code
2 years	5.07% Fixed	until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.8% APRC	£995	£300 Cashback paid to solicitor with advance Standard Valuation Fee Paid by Lender Minimum Loan £50,000 Repayment Methods: Interest Only, Part & Part, Capital Repayment	3% until 31/12/2027, then 2% until 31/12/2028	APQQ
2 years	5.31% Fixed	until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.8% APRC	£0	Standard Valuation Fee Paid by Lender Repayment Methods: Interest Only, Part & Part, Capital Repayment	3% until 31/12/2027, then 2% until 31/12/2028	APQR
3 years	5.21% Fixed	until 31/12/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.7% APRC	£995	£300 Cashback paid to solicitor with advance Standard Valuation Fee Paid by Lender Minimum Loan £50,000 Repayment Methods: Interest Only, Part & Part, Capital Repayment	3% until 31/12/2028, then 2% until 31/12/2029	APQS
5 years	5.29% Fixed	until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.4% APRC	£995	Standard Valuation Fee Paid by Lender Standard legal fees paid by Lender (for remortgages only) Repayment Methods: Interest Only, Part & Part, Capital Repayment	4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031	APQT
5 years	5.39% Fixed	until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.4% APRC	£0	Standard Valuation Fee Paid by Lender Repayment Methods: Interest Only, Part & Part, Capital Repayment	4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031	APQU

75% LTV | Buy to Let Fixed Rates | Top Slicing

Print products

Term	Rate	Description	Overall cost of comparison	Product Fee	Features	Early Repayment Charges (% of the sum repaid)	Code
2 years	5.07% Fixed	until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.8% APRC	£1495	Standard Valuation Fee Paid by Lender Standard legal fees paid by Lender (for remortgages only) Repayment Methods: Interest Only, Part & Part, Capital Repayment	3% until 31/12/2027, then 2% until 31/12/2028	APQV
2 years	5.12% Fixed	until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.8% APRC	£995	£300 Cashback paid to solicitor with advance Standard Valuation Fee Paid by Lender Minimum Loan £50,000 Repayment Methods: Interest Only, Part & Part, Capital Repayment	3% until 31/12/2027, then 2% until 31/12/2028	APQW
2 years	5.25% Fixed	until 31/12/2028 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.8% APRC	£495	Standard Valuation Fee Paid by Lender Standard legal fees paid by Lender (for remortgages only) Repayment Methods: Interest Only, Part & Part, Capital Repayment	3% until 31/12/2027, then 2% until 31/12/2028	APQX
3 years	5.25% Fixed	until 31/12/2029 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.7% APRC	£995	£300 Cashback paid to solicitor with advance Standard Valuation Fee Paid by Lender Minimum Loan £50,000 Repayment Methods: Interest Only, Part & Part, Capital Repayment	3% until 31/12/2028, then 2% until 31/12/2029	APQY
5 years	5.28% Fixed	until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.4% APRC	£1995	Standard Valuation Fee Paid by Lender Standard legal fees paid by Lender (for remortgages only) Repayment Methods: Interest Only, Part & Part, Capital Repayment	4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031	APQZ
5 years	5.32% Fixed	until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.5% APRC	£1495	£300 Cashback paid to solicitor with advance Standard Valuation Fee Paid by Lender Minimum Loan £50,000 Repayment Methods: Interest Only, Part & Part, Capital Repayment	4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031	APRA
5 years	5.36% Fixed	until 31/12/2031 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 6.94% variable	6.4% APRC	£995	£300 Cashback paid to solicitor with advance Standard Valuation Fee Paid by Lender Minimum Loan £50,000 Repayment Methods: Interest Only, Part & Part, Capital Repayment	4% until 31/12/2028, then 3% until 31/12/2030, then 2% until 31/12/2031	APRB

Energy Efficient Buy to Let Mortgages

Energy Efficient Buy to Let mortgages are now available for purchases and remortgages with exclusive rates for properties with energy performance ratings of A to C.

Find out more