iTrolley Mortgage Help - Mortgages with Bank of Ireland

Mortgages with Bank of Ireland

Get up to €9,000 cashback on a mortgage of €300,000 €6,000 cashback on drawdown + €3,000 cashback in 5 years

Bank of Ireland Logo

Delighted to announced Smart Builder and iTrolley have partnered with Bank of Ireland to offer Mortgage finance.

When shopping for a new home, visions of gorgeous kitchens, sumptuous master baths and closet space galore may dance in your head, but you can’t forget the important step of financing that allows you make it just right for you. This will…

As you shop for your dream home, key questions to ask yourself very early in your search include:

  • Are my credit reports up-to-date and accurate?
  • What information will I need to gather to apply to finance my new home?
  • What can I afford in the way of a mortgage?
  • What are my loan options?
  • Where do I learn more about, and ultimately shop for, a mortgage?
Mortgages with Bank of Ireland - Smart Builder and iTrolley have partnered with Bank of Ireland to offer Mortgage finance
Mortgages with Bank of Ireland - iTrolley & Smart Builder construction concept

Where you are building new dream home turnkey with us? Extension making your living space more developed? Would you like to do an energy upgrade?

Why not talk to us about the construction project you have in mind and we can help you all the way from start to finish. We’ll give you 2% Cashback when you draw down your new mortgage with us. And if you’re a Bank of Ireland current account customer buying a home (First Time Buyer or Mover) or switching your mortgage to us, we’ll give you an extra 1% Cashback after 5 years.

  • What’s more, we have a range of competitive fixed and variable interest options that include fixed rates from 1 year to 10 years.
  • Our Twin Rate option, part fixed/part variable, combines flexibility with certainty.
  • Our flexible repayment options include payment breaks, skip a month (or two) every year, change your repayment date, and regular or lump sum overpayments.

Terms & Conditions

To be eligible for a payment break your mortgage loan must be fully drawn down at least 2 years, there must be at least 12 months between payment breaks (or 6 months must have lapsed since your COVID-19 payment break if you took one), and you must have complied with all the terms and conditions of the mortgage. Subject to approval. Available on your principal private dwelling only. Lending criteria and terms and conditions apply. Skip months are subject to meeting the conditions of your mortgage. Lending criteria and terms and conditions apply. Once you select a skip month repayment option it will continue each year unless you ask us to change it. Changing your payment date applies to monthly repayments only. Subject to meeting the conditions of your mortgage. You can move your repayment date by up to 21 days. Your repayments will be recalculated so that your mortgage will be repaid by the originally agreed date. Overpayments are subject to meeting the conditions of the mortgage. Overpayments made are not refundable.

WARNING: The cost of your monthly repayments may increase.

WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

WARNING: You may have to pay charges if you pay off a fixed-rate loan early.

WARNING: If you do not keep up your repayments you may lose your home.

3% Cashback available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2021 and hold a Bank of Ireland current account. 2% Cashback on draw down of a new mortgage. 1% Cashback in 5 years subject to meeting the conditions of the mortgage. Additional 1% Cashback not available for Buy to Let Investment mortgages. Cashback is not available with the High Value Mortgage fixed interest rate. The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. A typical mortgage to buy your home of €100,000 over 20 years with 240 monthly instalments costs €615.79 per month at 4.2% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. The total amount you pay is €148,114.60. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value for first-time buyers). A 1% interest rate rise would increase monthly repayments by €54.02 per month. The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home. Available to over 18s only. Mortgage approval is subject to assessment of suitability and affordability.

Bank of Ireland Mortgage Bank trading as Bank of Ireland