Bank of Ireland for Intermediaries provides a solid, mainstream mortgage offering with a flexible approach to income, competitive rates, and a strong reputation among first-time buyers, home movers, and remortgagers. Their broker-only product range is designed to support borrowers who want straightforward, well-priced mortgages with some added flexibility where it counts.
At Mortgage Knight, we work with Bank of Ireland when clients want mainstream affordability, but have slightly more complex circumstances than high street lenders typically favour.
Bank of Ireland offers a great balance between affordability, flexibility, and speed. While they operate like a high-street lender in terms of pricing, their case-by-case assessment and willingness to understand unusual income make them an ideal choice for many of our clients.
We often use them when someone just needs a little more common sense applied to their application, especially first-time buyers and joint applicants.
If you’re employed, have regular income (even if it includes overtime or variable bonuses), or want help buying with a parent or family member, Bank of Ireland could be the lender that says yes when others hesitate.
Get in touch with Mortgage Knight today for expert broker support and to see what deals are available through Bank of Ireland.
A: Yes. Bank of Ireland is flexible with income types and will consider bonus, overtime, and commission, especially if it can be evidenced as regular over the past 3–6 months.
A: Generally, they offer up to 4.49x income, but this can vary depending on your credit profile, deposit size, and existing financial commitments. They also assess affordability manually in many cases.
A: Yes. Bank of Ireland accepts gifted deposits from close family members, subject to standard checks and declarations.
A: Absolutely. They’re happy to work with joint applications that combine PAYE, self-employed, fixed-term, or shift-based income, provided each stream can be evidenced.
A: Yes. Bank of Ireland will usually accept applicants on fixed-term or probationary employment, especially if your income history or industry experience is consistent.
A: Minor historic credit blips may be accepted depending on the circumstances, but Bank of Ireland tends to suit borrowers with a clean to moderate credit profile. We can assess this for you quickly.
A: Yes. Bank of Ireland often includes cashback or free legal work with their remortgage products, helping reduce your upfront costs.
A: Yes. All of Bank of Ireland’s mortgage products are broker-only, which means you’ll need to apply through a mortgage broker like Mortgage Knight, ensuring the process is guided and well-presented.
