Updated September 28, 2026 · BorrowCue Editorial Team
Bank of Ireland vs Super Finance Markets
Where Bank of Ireland and Super Finance Markets differ
| Compare |  Bank of Ireland |  Super Finance Markets |
|---|---|---|
| Initial rate | 3.1% | 0.6%Lower |
| Fixed period | 4 yearsHigher | 0.25 to 2 years |
| Maximum loan to value | 90%Higher | 75% |
| Product fee | €150 to €250 | A$0 |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Purchase, Remortgage, Equity release, Home equity |
| APRC | 3.8% | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- Bank of Ireland scores higher overall: 9.4 vs 9.0.
- Founded is lower at Bank of Ireland: 1783 vs 2018.
- Bank of Ireland is licensed in 1 more country.
- Bank of Ireland is available in 1 more country.
- Initial rate is lower at Super Finance Markets: 0.6% vs 3.1%.
- Fixed period is higher at Bank of Ireland: 4 years vs 0.25 to 2 years.
- Maximum loan to value is higher at Bank of Ireland: 90% vs 75%.
- Support channels: only Bank of Ireland offers Help centre, Community.
- Support channels: only Super Finance Markets offers Email.
- Purpose: only Bank of Ireland offers First time buyer, Buy to let.
Our verdict on each
Bank of Ireland
Bank of Ireland suits borrowers in the Republic of Ireland who want a mortgage and a personal loan from one long established bank, with a variable personal loan rate starting at 7.1% to 8.9%.
Super Finance Markets
Super Finance Markets suits Australian borrowers who need secured or business lending and can manage a short term at a high stated cost of borrowing. It charges no application fee, but the rate of 0.6% to 0.85% means the repayment must be planned carefully, and any surplus on the deal is the borrower's own risk.
Score breakdown
| Area | Bank of Ireland | Super Finance Markets |
|---|---|---|
| Cost | 9.3Personal loan fee is 0 EUR - no arrangement fee and variable rate of 7.1% to 8.9% sits under the 12% site median. | 9.7HigherAnnual cost of borrowing runs 0.6% to 0.85% with an application fee of 0 AUD (no application fee). |
| Offer | 9.2HigherFixed mortgage hold is 4, lower than the 10 median fixed period. | 8.5Purpose covers purchase, remortgage and equity release on fixed rates, with a term of 3 to 24 and no credit check. |
| Trust | 9.6Higher | 8.6 |
How they place
| Ranking | Bank of Ireland | Super Finance Markets |
|---|---|---|
| Mortgages | 42 of 719 | 268 of 719 |
| Remortgage deals | 26 of 351 | 194 of 351 |
| Equity release | 2 of 32 | 15 of 32 |
Availability and regulation
| Country | Bank of Ireland | Super Finance Markets |
|---|---|---|
| Australia | Not confirmed | |
| Ireland | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for Bank of Ireland: 2. Additional countries for Super Finance Markets: 1.
Choosing between them
Pick Bank of Ireland if offer, fixed period, and maximum loan to value matter most.
Pick Super Finance Markets if cost and initial rate matter most.
Every fact side by side
| Fact | Bank of Ireland | Super Finance Markets |
|---|---|---|
| Legal entity | Bank of Ireland Group plc | Super Finance Markets Pty Ltd |
| Headquarters | Ireland | Australia |
| Founded | 1783Lower | 2018 |
| Support channels | Phone, Chat, Help centre, Community | Email, Chat, Phone |
Loans
| Fact | Bank of Ireland | Super Finance Markets |
|---|---|---|
| APR | 7.1% to 8.9% | 0.6% to 0.85%Lower |
| Loan amount | €2,000 to €75,000 | A$100,000 to A$3,000,000 |
| Term | 12 to 60 monthsHigher | 3 to 24 months |
| Arrangement fee | 0 EUR - no arrangement fee | 0 AUD (no application fee) |
| Credit check | Hard | None |
| Funding time | 24-48 hours after signed credit agreement | Approval in 48 hours, funds disbursed in 10 business days |
| Representative example | Personal loan of EUR20,000 over 5 years at 6.9% variable, 7.1% APR, monthly repayment EUR394.71, cost of credit EUR3,682.60 | Not confirmed |
| Pricing model | Not confirmed | Fixed rate |
| Rate type | Variable | Fixed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | 18 years of age or over, resident in the Republic of Ireland, and an existing Bank of Ireland current account customer registered for 365 online to apply online | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Car, Student | Business, Secured |
| Credit needed | Not confirmed | Poor |
Where each stands against the rest
| Fact | Bank of Ireland | Super Finance Markets | Median |
|---|---|---|---|
| Initial rate | 3.1%lowest quarter | 0.6%lowest quarter | 4.425% |
| APRC | 3.8%lowest quarter | Not confirmed | 5.04% |
| Fixed period | 4 yearsbelow the median | 0.25 to 2 yearslowest quarter | 10 years |
| Maximum loan to value | 90%at the median | 75%lowest quarter | 90% |
Median across 238 listed lenders.
Pros and cons
Bank of Ireland
Pros
- No arrangement fee on the personal loan: 0 EUR - no arrangement fee
- Variable personal loan rates of 7.1% to 8.9%, below the 12% site median
- A direct lender rather than a broker, so you deal with the lender itself
Cons
- Applying online needs an existing current account with a waiting period of registered online use
- A hard credit check applies, while 72.7% of lenders on the site also use one
- The fixed mortgage period of 4 sits below the 10 median for mortgage products
Super Finance Markets
Pros
- No application fee at all, recorded as 0 AUD (no application fee)
- No credit check, and the lender caters to applicants with poor credit
- Fixed rates held for 0.25 to 2 keep the repayment predictable
Cons
- A cost of borrowing of 0.6% to 0.85% is high, so the monthly repayment needs checking against budget
- The term of 3 to 24 is short for a home loan
- The maximum loan to value of 75% sits below the 90% typical of the wider mortgage market
Who each suits
Bank of Ireland
Who it suits
- Existing Bank of Ireland current account customers in the Republic of Ireland looking for a mortgage
- Borrowers who want a personal loan with no arrangement fee and free early repayment
- People who prefer dealing with the lender directly rather than through a broker
Who should look elsewhere
- Borrowers wanting a long fixed mortgage period, since 4 is short against the market
- People without an existing Bank of Ireland current account, who cannot apply online
- Anyone wanting a fixed rate on a personal loan, because variable applies
Super Finance Markets
Who it suits
- Borrowers in Australia whose credit file is in poor shape
- Businesses needing a short fixed term loan
- Anyone covering 75% with equity who wants no application fee
Who should look elsewhere
- First time buyers, since the term runs 3 to 24
- Long term borrowers put off by the rate of 0.6% to 0.85%
Current offers
Bank of Ireland
Current offer
Bonus
Cashback Plus on new mortgage drawdown: Up to 3% of mortgage drawdown (2% after drawdown, 1% after 5 years)
For first-time buyers, movers and switchers drawing down a new mortgage on qualifying fixed rates. Not available on High Value Mortgage fixed rates or standard variable rate; additional 1% not available for buy-to-let or equity release. Terms and conditions apply.
Source, checked September 26, 2026
Country by country
| Country | Bank of Ireland | Super Finance Markets |
|---|---|---|
| Australia | No | Yes |
| Ireland | Yes | No |
| United Kingdom | Yes | No |
Questions about each
Bank of Ireland
What is the arrangement fee on a Bank of Ireland personal loan?+
The personal loan carries 0 EUR - no arrangement fee, so there is no arrangement fee to pay when the loan is taken. The percentage fee is 0%. The variable rate behind the loan runs 7.1% to 8.9%, and early repayment is free if you want to clear the balance sooner.
How does the Bank of Ireland personal loan compare with the site median?+
The variable rate of 7.1% to 8.9% sits below the 12% median APR across lenders on the site. Borrowing runs €2,000 to €75,000 over 12 to 60, which is a larger ceiling than the €876.96 median amount on the site.
Super Finance Markets
What rate does Super Finance Markets charge?+
The cost of borrowing is 0.6% to 0.85%, and the initial rate is 0.6%. The 0.6% to 0.85% figure is the one to plan around, since it reflects the full cost of the credit rather than a headline offer. Payments sit on a fixed rate for 0.25 to 2.
Are there any fees to open the loan?+
The application fee is 0 AUD (no application fee), so nothing is charged for taking an application forward. There is also a product fee recorded on the same terms, which keeps the upfront cost minimal. The ongoing cost of borrowing of 0.6% to 0.85% is the part that shapes the repayment.