Our mortgages for First Time Buyers
At Bank of Ireland Mortgages, we have a range of mortgages that could help you get your own place. The right choice for you will depend on a number of things relating to your circumstances, including how much deposit you have and what kind of rate you want. Getting the balance right is vital, so you don't overstretch yourself and you make sure that you can cover your repayments if your circumstances change in the future.
Residential mortgage
Our mortgage for buyers who have a regular income and are looking to buy a standard residential property to live in. The amount you can borrow will be based on a multiple of your income after deducting any other regular outgoings.
Self Certification
Our specialist mortgages for buyers with irregular earnings who find it hard to prove their annual income - people who are self employed for instance, or who rely on commission or non guaranteed bonuses.
1st Start
Our specialist mortgages for first time buyers who can afford to pay the monthly repayments on the borrowing they need, but whose salary figures don't add up to enough to meet standard mortgage criteria. 1st Start lets you use the borrowing power of a parent or guardian to help you get onto the property ladder.