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Sam covers personal finance topics, from the most affordable places to live to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
In this article
Bank of Ireland UK offers mortgages directly with the provider for borrowers in Northern Ireland and via a broker for borrowers in Britain.
Here, you can find out what Bank of Ireland UK mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Bank of Ireland UK mortgage rates on the market right now.
The information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our mortgage lender reviews
Real customer views
We've asked 115 Bank of Ireland UK mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Bank of Ireland UK's mortgages to work out if it's a lender that offers competitive deals.
Bank of Ireland UK received the lowest customer score among the lenders in our survey. It also scored just two stars in all categories, including customer service and online access. In our mortgage rate analysis, it was the joint-11th cheapest lender (out of 69).
65%
out of 21 mortgage lenders ranked on customer score
To see how Bank of Ireland compares to other mortgage providers, head to our guide to the best mortgage lenders.
Anna McClean, market analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. Bank of Ireland sat just outside of the overall top 10 cheapest lenders, and was especially competitive for remortgage deals.'
Here's how Bank of Ireland UK did in our analysis:
Find out more: check which lenders came ahead of Bank of Ireland in our cheapest lender interest rate analysis
You can see the mortgages Bank of Ireland is currently offering to first-time buyers with an 80%, 90% or 95% LTV in our table.
To see how Bank of Ireland compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 80% | Bank of Ireland UK | 65% | 5.19% | £1,495 | 6.94% |
| 80% fee free | Bank of Ireland UK | 65% | 5.49% | £0 | 6.94% |
| 90% | Bank of Ireland UK | 65% | 5.33% | £2,995 | 6.94% |
| 90% fee free | Bank of Ireland UK | 65% | 5.49% | £0 | 6.94% |
| 95% | Bank of Ireland UK | 65% | 5.72% | £0 | 6.94% |
| 95% fee free | Bank of Ireland UK | 65% | 5.72% | £0 | 6.94% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public in August/September 2026. Providers must receive a minimum sample size of 40 for inclusion in the results. Bank of Ireland UK had a sample size of 115.
You can see the mortgages Bank of Ireland is currently offering to home movers with a 60%, 75% or 85% LTV using the table.
To see how Bank of Ireland compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 60% | Bank of Ireland UK | 65% | 5.17% | £1,495 | 6.94% |
| 60% fee free | Bank of Ireland UK | 65% | 5.49% | £0 | 6.94% |
| 75% | Bank of Ireland UK | 65% | 5.17% | £1,495 | 6.94% |
| 75% fee free | Bank of Ireland UK | 65% | 5.49% | £0 | 6.94% |
| 85% | Bank of Ireland UK | 65% | 5.19% | £1,495 | 6.94% |
| 85% fee free | Bank of Ireland UK | 65% | 5.49% | £0 | 6.94% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public in August/September 2026. Providers must receive a minimum sample size of 40 for inclusion in the results. Bank of Ireland UK had a sample size of 115.
You can see the mortgages Bank of Ireland is currently offering to remortgagers with a 60%, 75% or 85% LTV in our table.
To see how Bank of Ireland compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 60% | Bank of Ireland UK | 65% | 5.17% | £1,495 | 6.94% |
| 60% fee free | Bank of Ireland UK | 65% | 5.55% | £0 | 6.94% |
| 75% | Bank of Ireland UK | 65% | 5.17% | £1,495 | 6.94% |
| 75% fee free | Bank of Ireland UK | 65% | 5.55% | £0 | 6.94% |
| 85% | Bank of Ireland UK | 65% | 5.19% | £1,495 | 6.94% |
| 85% fee free | Bank of Ireland UK | 65% | 5.55% | £0 | 6.94% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public in August/September 2026. Providers must receive a minimum sample size of 40 for inclusion in the results. Bank of Ireland UK had a sample size of 115.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Bank of Ireland UK mortgage customers about their experience with the lender.
Here's how customers rated Bank of Ireland UK in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 6,514 members of the public in August/September 2026. Providers must receive a minimum sample size of 40 for inclusion in the results. Bank of Ireland UK had a sample size of 115.
We not only produce customer scores and star ratings, but also collect comments from real customers.
Many of the comments we got from Bank of Ireland UK mortgage customers were positive, but there were more negative comments than for lenders with higher customer scores.
A common theme of responses was that customers hadn't had any issues with the lender. Two respondents praised the online portal, but another customer described the app as 'poor'.
When we checked in September 2026, there were 83 mortgages available from Bank of Ireland UK. All were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Bank of Ireland UK mortgages had initial periods of two, three and five years.
Bank of Ireland doesn't publish its borrowing caps, but you can use its affordability calculator to check the size of a mortgage you qualify for.
Currently, Bank of Ireland UK doesn't offer green mortgage products.
All of Bank of Ireland UK's mortgages have a maximum term length of 40 years.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer, nobody else. See our statement of editorial independence
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