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Compare Bank of Ireland Mortgages

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

If you think a Bank of Ireland mortgage could be a good fit for your borrowing needs and personal circumstances, read on to see what they have to offer.

Compare Bank of Ireland mortgages

Bank of Ireland offer a range of different mortgage products for both homeowners and landlords.

As well as standard mortgages for people looking to move house, they also offer specialist mortgages for those looking to get their first foot on the property ladder and buy to let landlords.

First Time Buyers

If you are looking to buy your first home, Bank of Ireland offer mortgage products specifically aimed at first time buyers.

This includes supporting the government’s Help to Buy scheme and offering mortgages worth up to 95% of the value of the property you wish to buy.

Buy to Let

Landlords can take out both fixed rate and variable rate mortgages with Bank of Ireland, whether making a first buy to let purchase or expanding an existing portfolio.

Landlords can borrow up to 75% of the market value of their property.

Remortgaging with Bank of Ireland

Both homeowners and landlords can take advantage of secured loans from Bank of Ireland for remortgaging.

This can allow you to borrow more or reduce your monthly expenditure by getting a better deal than your existing mortgage offers.

Loan to value ratio

When thinking about how much you may be able to borrow, it is important to consider your loan to value (LTV) ratio.

This is one of the main criteria lenders use when deciding how much they will be willing to let you borrow.

For example, if you want to borrow £50,000 against a property worth £100,000 this would give you a loan to value ratio of 50% as the amount you would be borrowing is 50% of the value of the property.

If you already had a mortgage for £50,000 on the same property and wanted to borrow and additional £25,000 your LTV would then be 75%.

Lenders will normally give you a better interest rate the lower your LTV, although this can be influenced by a number of different factors.

Find the best deals on mortgage rates

With such a variety of lenders and mortgage offers available from across the industry, many consumers struggle to identify which represents the best value for them.

We hope to make things a little easier with our mortgage calculator, found at the top of this page.

This handy tool allows you to plug in a few essential details, such as how much you need to borrow, how long you want to borrow it for and why you need the money, then we show you the best deals we can find from across the market.

That way you can get a good idea of which mortgage will be the best fit for you with minimal stress and hassle.

Independent Mortgage Advice

Remortgaging is particularly popular at the moment as interest rates are low.

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Whether it will be a good idea for you to remortgage depends on a number of factors, including your goals and your personal circumstances.

However, in general, if interest rates are lower than you are currently paying on your mortgage, it may be a good time to remortgage.

If interest rate are higher than you are currently paying, it may be better to look at other options, such as a second mortgage or a personal loan (if you aim is to borrow more).

If you are not sure whether now is the right time to remortgage, it is a good idea to speak to an independent mortgage broker who will be able to offer impartial advice on Bank of Ireland UK mortgages as well as other lenders.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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