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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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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.
Please note that 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 54 Bank of Ireland UK mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Bank of Ireland UK's mortgage rates to work out if it's a lender that offers competitive deals.
Bank of Ireland UK came bottom of our customer satisfaction table. It scored three stars in all categories, including customer service and online access. It also performed poorly in our interest rate analysis.
67%
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.
Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top-10 cheapest deals tables based on a variety of borrowing scenarios and counted how many times each lender appeared in a table.
The average was five table appearances per week. Bank of Ireland made no appearances in our tables. Our research showed that you could typically find a better rate from other mortgage lenders, such as HSBC, Santander or NatWest, during our analysis.
You can see the mortgages Bank of Ireland is currently offering to first-time buyers, home movers and remortgagers in the tables below.
To see how Bank of Ireland compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.
| 80% | Bank of Ireland UK | 67% | 4.3% | £1,495 | 7.19% |
| 80% fee free | Bank of Ireland UK | 67% | 4.4% | £0 | 7.19% |
| 90% | Bank of Ireland UK | 67% | 4.45% | £0 | 7.19% |
| 90% fee free | Bank of Ireland UK | 67% | 4.45% | £0 | 7.19% |
| 95% | Bank of Ireland UK | 67% | 4.81% | £0 | 7.19% |
| 95% fee free | Bank of Ireland UK | 67% | 4.81% | £0 | 7.19% |
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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. Bank of Ireland UK had a sample size of 54.
| 60% | Bank of Ireland UK | 67% | 4.04% | £1,495 | 7.19% |
| 60% fee free | Bank of Ireland UK | 67% | 4.29% | £0 | 7.19% |
| 75% | Bank of Ireland UK | 67% | 4.04% | £1,495 | 7.19% |
| 75% fee free | Bank of Ireland UK | 67% | 4.29% | £0 | 7.19% |
| 85% | Bank of Ireland UK | 67% | 4.1% | £1,495 | 7.19% |
| 85% fee free | Bank of Ireland UK | 67% | 4.37% | £0 | 7.19% |
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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. Bank of Ireland UK had a sample size of 54.
| 60% | Bank of Ireland UK | 67% | 4.04% | £1,495 | 7.19% |
| 60% fee free | Bank of Ireland UK | 67% | 4.29% | £0 | 7.19% |
| 75% | Bank of Ireland UK | 67% | 4.04% | £1,495 | 7.19% |
| 75% fee free | Bank of Ireland UK | 67% | 4.29% | £0 | 7.19% |
| 85% | Bank of Ireland UK | 67% | 4.2% | £1,495 | 7.19% |
| 85% fee free | Bank of Ireland UK | 67% | 4.4% | £0 | 7.19% |
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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. Bank of Ireland UK had a sample size of 54.
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 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. Bank of Ireland UK had a sample size of 54.
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 lenders with higher customer scores.
A common theme of responses was that customers hadn't had any issues with the lender.
One consumer's feedback reflected our interest rate analysis. The customer noted that they could have found a lower rate if they had shopped around for a different lender.
Most of the things said about customer service were positive. One customer told us that Bank of Ireland UK is 'easy to deal with', while another said it is 'very straightforward and honest'.
When we checked in September 2025, there were 54 mortgages available from Bank of Ireland UK. All of these 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, five and seven 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 35 years.
Why should you trust Which? research? 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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