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Existing Customer

Change Your Rate

If you’re happy with your property but want to change your mortgage rate (perhaps because your promotional rate is coming to an end), why not switch to one of our great fixed rate deals? They will give you the peace of mind of knowing exactly what your monthly payments will be regardless of any changes in the base rate.

Why fix your rate now?

  • You’ll know exactly what your monthly repayments will be
  • Exclusive existing customer deals to choose from
  • Deals available with no product fee
  • No legal fees (where standard solicitor involvement is required Bank of Ireland will pick up the cost of standard legal fees via our nominated solicitors)
  • No valuation fee (Bank of Ireland do not require a standard mortgage valuation when you change your mortgage rate. However, if you would like a valuation you’ll need to pick up the cost for this).


Call us on 0345 300 8000* to find out more.

Minimal paperwork

The last thing you need when switching your rate is hassle. With Bank of Ireland you don’t need to complete an application form to change your mortgage rate. If you’d like to go ahead, just let us know and we’ll either send you a variation of mortgage offer document to review, sign and return, or you’ll receive an Illustration for you to review and accept, followed by a mortgage offer for you to read, sign and return.

It’s quick and easy

We know that time is of the essence. That’s why, for most of our existing customers it could take as little as two working days for us to send you a variation of mortgage offer for one of our great fixed rate deals.

If you do require an Illustration after speaking to one of our mortgage specialists, we’ll aim to send this to you within two working days and the offer within five working days. If you choose to have a valuation we’ll arrange this for you as quickly as possible once you have confirmed you’d like to proceed, so your offer can go ahead.

Making other changes to your mortgage

As well as switching your rate, why not take the opportunity to change another aspect of your mortgage at the same time to suit your needs? It may take longer than a straightforward rate change and could incur a fee (see our Tariff of Mortgage Charges), but you could consider the following options as well:

If you're thinking of purchasing another Buy To Let property, and are considering porting your existing rate to this property, find out more here.

If you are unsure about anything, or have any further questions please call us on 0345 300 8000*.

Read our Frequently Asked Questions for more information on changing your mortgage rate.

If you’re interested in changing your mortgage rate, take a look at the great fixed rate deals currently available to you.

If you’re thinking about changing your mortgage rate, please call us on 0345 300 8000* for more details.