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Mortgage products

Looking for a mortgage?

Review the range below

  • All information correct as of 19/04/18.
  • Bank of Ireland Standard Variable Rate (SVR) is currently 4.49% variable.
  • Lending Fee £195 (due on completion but payment can be deferred until mortgage is fully repaid).
  • All our residential products are available on a Capital Repayment basis, except where stated.
  • All AA products come with a 0.10% loyalty bonus and minimum overpayment of £1
Fixed rate for new customers

60% LTV mortgages
Rate and term Overall cost for comparison Maximum loan to value Product fee Additional features Early repayment charge
% of the sum repaid
Code
2 Year 1.49% fixed until 30/06/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.1% APRC 60% £1,495 Also available on Interest Only or Part Interest Only / Part Repayment basis 3% until 30/06/2019
then 2% until 30/06/2020
DKW
1.89% fixed until 30/06/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.0% APRC 60% £0 Standard legal fees paid by Lender (for remortgagers only)

Standard Valuation Fee paid by Lender

Also available on Interest Only or Part Interest Only / Part Repayment basis
3% until 30/06/2019
then 2% until 30/06/2020
DKX
1.99% fixed until 30/06/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.1% APRC 60% £0

£500 Cashback paid to solicitor with advance 

Standard Valuation Fee paid by Lender

Minimum Loan £50,000

Also available on Interest Only or Part Interest Only / Part Repayment basis

3% until 30/06/2019
then 2% until 30/06/2020
DKY
5 Year 2.45% fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 3.8% APRC 60% £0

£500 Cashback paid to solicitor with advance

Standard Valuation Fee paid by Lender

Minimum Loan £50,000

Also available on Interest Only or Part Interest Only / Part Repayment basis

4% until 30/06/2020
then 3% until 30/06/2022
then 2% until 30/06/2023
DKZ
Fixed rate for new customers

75% LTV mortgages
Rate and term Overall cost for comparison Maximum loan to value Product fee Additional features Early repayment charge
% of the sum repaid
Code
2 Year 1.68% fixed until 30/06/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.1% APRC 75% £1,495

Standard Valuation Fee paid by Lender

Also available on Part Interest Only / Part Repayment basis. Interest Only element Maximum 60% LTV

3% until 30/06/2019
then 2% until 30/06/2020
DLA
1.93% fixed until 30/06/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.0% APRC 75% £0

Standard legal fees paid by Lender (for remortgagers only)

Standard Valuation Fee paid by Lender

Also available on Part Interest Only / Part Repayment basis. Interest Only element Maximum 60% LTV

3% until 30/06/2019
then 2% until 30/06/2020
DLB
2.18% fixed until 30/06/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.1% APRC 75% £0

£750 Cashback paid to solicitor with advance

Standard Valuation Fee paid by Lender

Minimum Loan £50,000

Also available on Part Interest Only / Part Repayment basis. Interest Only element Maximum 60% LTV

3% until 30/06/2019
then 2% until 30/06/2020
DLC
5 Year 2.25% fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 3.6% APRC 75% £0

Standard legal fees paid by Lender (for remortgagers only)

Standard Valuation Fee paid by Lender

Also available on Part Interest Only / Part Repayment basis. Interest Only element Maximum 60% LTV

4% until 30/06/2020
then 3% until 30/06/2022
then 2% until 30/06/2023
DLD
2.39% fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 3.8% APRC 75% £0

£750 Cashback paid to solictor with advance

Standard Valuation Fee paid by Lender

Minimum Loan £50,000

Also available on Part Interest Only / Part Repayment basis. Interest Only element Maximum 60% LTV

4% until 30/06/2020
then 3% until 30/06/2022
then 2% until 30/06/2023
DLE
Fixed rate for new customers

85% LTV mortgages
Rate and term Overall cost for comparison Maximum loan to value Product fee Additional features Early repayment charge
% of the sum repaid
Code
2 Year 1.75% fixed until 30/06/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.1% APRC 85% £1,495 Standard Valuation Fee paid by Lender 3% until 30/06/2019
then 2% until 30/06/2020
DLF
1.99% fixed until 30/06/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.0% APRC 85% £0

Standard legal fees paid by Lender (for remortgagers only)

Standard Valuation Fee paid by Lender

3% until 30/06/2019
then 2% until 30/06/2020
DLG
5 Year 2.31% fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 3.8% APRC 85% £995 No Additional Features 4% until 30/06/2020
then 3% until 30/06/2022
then 2% until 30/06/2023
DLH
2.55% fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 3.7% APRC 85% £0 Standard legal fees paid by Lender (for remortgagers only)

Standard Valuation Fee paid by Lender
4% until 30/06/2020
then 3% until 30/06/2022
then 2% until 30/06/2023
DLJ
2.65% fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 3.8% APRC 85% £0

£750 Cashback paid to solictor with advance

Standard Valuation Fee paid by Lender

Minimum Loan £50,000

4% until 30/06/2020
then 3% until 30/06/2022
then 2% until 30/06/2023
DLK
Fixed rate for new customers

90% LTV mortgages
Rate and term Overall cost for comparison Maximum loan to value Product fee Additional features Early repayment charge
% of the sum repaid
Code
2 Year 2.13% fixed until 30/06/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.2% APRC 90% £0 No Additional Features 3% until 30/06/2019
then 2% until 30/06/2020
DLL
2.42% fixed until 30/06/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.2% APRC 90% £0 Standard legal fees paid by Lender (for purchases only)

Standard Valuation Fee paid by Lender.
3% until 30/06/2019
then 2% until 30/06/2020
DLM
3 Year 2.65% fixed until 30/06/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.1% APRC 90% £0 £750 Cashback paid to solicitor with advance

Standard Valuation Fee paid by Lender

Minimum Loan £50,000
3% until 30/06/2020
then 2% until 30/06/2021
DLN
5 Year 2.78% fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 3.9% APRC 90% £0 No Additional Features 4% until 30/06/2020
then 3% until 30/06/2022
then 2% until 30/06/2023
DLP
2.80% fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 3.9% APRC 90% £0 £500 Cashback paid to solicitor with advance

Standard Valuation Fee paid by Lender

Minimum Loan £50,000
4% until 30/06/2020
then 3% until 30/06/2022
then 2% until 30/06/2023
DLQ
Fixed rate for new customers (for purchases only)

95% LTV mortgages
Rate and term Overall cost for comparison Maximum loan to value Product fee Additional features Early repayment charge
% of the sum repaid
Code
2 Year 3.58% fixed until 30/06/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.4% APRC 95% £0 Available for purchases only

Higher Lending Charge paid by Lender
 
3% until 30/06/2019
then 2% until 30/06/2020
DLR
3.86% fixed until 30/06/2020 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.5% APRC 95% £0

Available for purchases only

Higher Lending Charge paid by Lender

£500 Cashback paid to solicitor with advance

Standard Valuation Fee paid by Lender

Minimum Loan £50,000

3% until 30/06/2019
then 2% until 30/06/2020
DLS
3 Year 4.08% fixed until 30/06/2021 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.5% APRC 95% £0

Available for purchases only

Higher Lending Charge paid by Lender

Standard legal fees paid by Lender

Standard Valuation Fee paid by Lender

3% until 30/06/2020
then 2% until 30/06/2021
DLT
5 Year 3.92% fixed until 30/06/2023 followed by our Standard Variable Rate for the rest of the mortgage term. This is currently 4.49% variable 4.5% APRC 95% £0 Available for purchases only

Higher Lending Charge paid by Lender
4% until 30/06/2020
then 3% until 30/06/2022
then 2% until 30/06/2023
DLU
Variable rates

90% LTV mortgages
Rate and term Overall cost for comparison Maximum loan to value Product fee Additional features Early repayment charge
% of the sum repaid
Code
Term 4.49% variable which is our Standard Variable Rate for the entire mortgage term. 4.6% APRC 90% £0 No additional features None DLV
Variable rates (for purchases only)

95% LTV mortgages
Rate and term Overall cost for comparison Maximum loan to value Product fee Additional features Early repayment charge
% of the sum repaid
Code
Term 4.49% variable which is our Standard Variable Rate for the entire mortgage term. 4.6% APRC 95% £0 Available for purchases only

Higher Lending Charge paid by Lender
None DLW

 

Representative example:

A mortgage of £236,095 payable over 30 years initially on a fixed rate for 2 years at 1.75% and then on our current variable rate of 4.49% for the remaining 28 years would require 24 monthly payments of £843 and 336 monthly payments of £1,172.

The total amount payable would be £415,723 made up of the loan amount plus interest (£177,923), product fee (£1,495), valuation fee (£0), funds transfer fee (£15), legal fee (£0) and lending fee (£195).

The overall cost for comparison is 4.2% APRC representative.

Before you apply, please read these important documents:

Important information

** Lines open Monday to Friday 8.30am to 8pm, Saturday 9am to 2pm. Closed Sundays and bank holidays.

Before you apply, read these important documents:

Definitions: a guide to the terms we use

Approval in principle (AIP)
An Approval in Principle, also known as a Decision in Principle will provide you with an indication of what you may be able to borrow, you will be required to provide details of your income and outgoings and a credit check may be requested.
 
Annual Percentage Rate Of Charge (APRC)
This shows the overall cost of borrowing, taking into account the term, interest rate, and any fees or charges to reflect the total cost of the mortgage. You can use it to compare different mortgage offers.
 
Fixed rate mortgage
These mortgages fix the interest rate you pay for an agreed promotional period. They revert to a different variable rate at the end of the fixed period.
 
Loan to Value (LTV)
This is the ratio between the mortgage loan and value of your property, known as Loan to Value, and will affect the range of products available to you. As a rule, a lower LTV will entitle you to lower rates.
 
Portable Mortgage
A mortgage that allows you to transfer the interest rate and early repayment charge conditions on your existing balance to your new property.  This is subject to a new offer being made based upon the lender’s current criteria.  If you don’t need to borrow extra amounts your mortgage product can remain the same.
 
Product Fee
This is a fee charged on some mortgages as part of the product. It can be paid upfront or added to the loan. If you add it to your mortgage it will increase your outstanding balance and interest will be charged for the duration of the mortgage.
 
Representative example
This is an illustration of a typical mortgage and its total cost. The Representative Example is for illustration purposes only and your actual costs and monthly repayments will vary depending on your mortgage.

Selected products
Only available on certain products, please refer to the AA mortgage range and rates table, or PDF link on the AA Mortgages website for further details.

Standard legal fees
Standard legal fees are basic solicitor fees, which does not include additional legal work or charges that may need to be carried out. For re-mortgages the lender will pay these fees through their nominated solicitors – please see your lenders terms and conditions for further details.

Standard Mortgage Valuation (also known as Lender’s Valuation) and Valuation Fee
The main purpose of this report is to ensure that the property is worth the amount that you are borrowing. The lender needs to decide whether to lend on the property by assessing its condition and likely value. The Valuation Fee is the cost for this basic assessment to be carried out on a property. You need to be aware that this type of report does not go into great detail about the property's condition and in some cases the lender may instruct an automated valuation, which will not include a site visit and you will not receive a written report. You may want to get a more detailed report so you are fully aware of any structural issues for your own purposes, which will come at an additional cost.

Standard Variable Rate (SVR)
A variable rate of interest set by a lender, which many mortgage products change to when their Promotional Period ends. Changes to a Standard Variable Rate are made at a lender’s discretion and are not directly linked to an external rate.

 

All mortgages are subject to status and lending criteria. Written illustrations are available on request.

Borrowers must be aged 18 or over.

AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales (912211).
AA Financial Services Limited (AAFS) acts as a Home Finance intermediary and introduces customers to Bank of Ireland (UK) plc only as its exclusive Home Finance provider.
Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc. Bank of Ireland (UK) plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.


AA Home Membership is underwritten by Acromas Insurance Company Limited, registered number 88716 (Gibraltar), and arranged by Automobile Association Insurance Services Limited.
Automobile Association Insurance Services Limited is an insurance intermediary which is authorised and regulated by the Financial Conduct Authority. Registration number 310562.
You can check the Financial Services Register on the FCA's website.
Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. England and Wales. Company registration number: 241412.