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Bank of Ireland Mortgage Bank trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.

Frequently asked questions

Got a question?

Call or send us a message.

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Republic of Ireland
081 820 0377

Other locations
+353 1 250 0377

Office hours
Monday to Friday
9am - 5pm

Got a question?

Call or send us a message.
Office hours
Monday to Friday
9am - 5pm

I need help filling out the application form. Who can I contact?

Tap 'Need help?' in the top menu.

Can I change my email in Mortgage Home?

Yes. Contact the Mortgage Home customer support team. They'll help you make the change.

I've started my application in Mortgage Home, but I'm not ready to submit it. Can I save my details so far and come back later?

Yes. You can save and return to your application at any time.

What is stamp duty?

Stamp duty is a one-off tax payment you must make when you buy a property. It applies to new and second hand properties.

The current rates are:

1% on the first €1,000,000 paid for a residential property

2% on anything above €1,000,000

What is LTV?

LTV stands for Loan To Value. It refers to the difference between the amount borrowed and the value of the property.

For example, if the property is €250,000 and the mortgage loan is for €200,000, the LTV is 80%. The maximum LTV for first-time buyers is 90%.

What is APR?

APR stands for Annual Percentage Rate of Charge. It is a calculation of the overall cost of a loan expressed as an annual rate. It takes into account all costs involved over the term of the loan. These costs include the interest rate, valuation fee and mortgage charge paid to the Property Registration Authority.

We calculate it to a standard set out in consumer protection legislation.

Can I change my interest rate after I submit my application?

Yes. Section 6 of the application form lists all of your interest rate options. If you change your mind about which rate you want, we'll be on hand to help you make that change.

What documents do I need?

Section 8 of the application form lists the documents you need to give us with your application.

Please note: Depending on the information you give us in your application, we may require additional documents from you after you have submitted your application. If required, these documents will be displayed in section 8 during the application review stage of the process.

Can I upload photos of my documents?

Yes. You can upload scanned copies, e-originals or photos of your documents.

Ensure all documents are valid, legible and all 4 corners are fully visible.

Can I submit my application without uploading some documents?

There are several documents you must upload before you can submit your application. These include (but are not limited to):

Photo ID

Recent utility bill or bank statement

Current account statements for the last 6 months (not required if you have a BOI current account)

Employment Details Summary

Salary certificate

Payslips

Savings account statements for the last 12 months (not required if you have a BOI savings account)

However, there are some documents that you don't have to upload before you can submit your application. For example, 'Proof of divorce or separation'. These documents can be uploaded later.

What file types can I upload in the documents section (section 8)?

Files must be .jpeg .png or .pdf format.

Is there a file size limit on the documents I can upload in section 8?

Files must be .jpg .png or .pdf format. Max. 10MB each in size.

Can I upload multiple documents?

Yes. You can upload more than one document if you need to.

How do I upload original documents?

If you have a digital copy of the original document, you can upload that in .jpeg .png or .pdf format.

If you have a physical copy of the original document, you can scan or take a pic of it. Please make sure that:

All 4 corners are visible

All details including any images are clear, not blurry