Bank of Ireland for Intermediaries makes a range of enhancements providing more flexibility for homebuyer and remortgage clients
26 February 2026
26.02.2026: Bank of Ireland for Intermediaries is announcing a range of enhancements across its residential mortgage product range, to strengthen its offerings in the intermediary market and provide borrowers with improved access to flexible mortgage solutions.
The changes reflect Bank of Ireland for Intermediaries continued commitment to supporting brokers and their clients to achieve their homebuying and ownership ambitions.
The updates announced today deliver greater choice for homebuyers, movers and remortgagers. The enhancements include:
- Maximum term extended to 40 years across the Bank’s standard product range.
- Maximum loan to income increased across the Bank’s standard product range to 5 x income for with single applicants requiring a minimum income of £40,000 and joint borrowers requiring a combined income of £50,000. Applicants with income below this threshold can continue to access 4.49 x income.
- Loan to value increased from 85% to 90% for residential New Build houses.
- Loan to value increased from 80% to 85% for residential New Build apartments.
Bank of Ireland for Intermediaries is also making changes to its interest only lending which will be available up to 60% LTV on standard lending products.
The Bank is making the changes effective from 26th February. All products remain subject to the Bank’s responsible lending and eligibility criteria.
Rhys Powell, Interim Head of Distribution, Bank of Ireland for Intermediaries, said:
“We are pleased to offer this series of enhancements across our mortgage product range which are designed to help make it easier for intermediaries to help their clients with their homebuying ambitions. Whether that’s getting a first step on the property ladder, upsizing or moving to their ideal home, we’re proud to deliver solutions that meet their needs.”
Further information, including terms and conditions on Bank of Ireland’s mortgage range is available at: Residential Products | Bank of Ireland for Intermediaries. For further information on our lending criteria visit: Lending Criteria | Bank of Ireland for Intermediaries
