'3% Cashback is 2% Cashback paid on all new mortgages drawn down by 31st December 2019 plus an additional 1% in 5 years for First Time Buyers, Movers and Switchers who have a Bank of Ireland current account, subject to meeting the conditions of the mortgage.'
Any chance you were looking at the bonus interest on their Mortgage Saver account rather than the cashback? That's the only one I can think of that they limit to FTBs.
Getting into your new home is great, but then you realise you need furniture and a new set of plates. This is when the Cashback Plus comes in handy.
Get 2% of your new mortgage back as cash after you draw down your mortgage
Plus as a special ‘thank you’, if you have a Bank of Ireland current account, we will give you an additional 1% of your mortgage back in cash in five years’ time (subject to meeting the conditions of the mortgage).
This offer is available to first-time buyers who draw down their new mortgage by 31st December 2019.
It's a bit unclear but the section luckystar has copied relates to the 'Cashback Plus' ie 3% cashback offer which is only available to First Time Buyers. The next paragraph which was not copied provides a link to the 2% cashback offer that's not restricted in this way.
Llgon looks like the cashback plus isn't limited to FTB ers either! T&C's for cashback plus;
You use your mortgage loan to buy a home in the Republic of Ireland to live in yourself (as a First Time Buyer or Mover) or if you switch your mortgage loan to us from another lender (outside the Bank of Ireland Group) by re-mortgaging the house you live in AND