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Don't have a 20% deposit? We still have a range of options available.
Use our repayment calculator below to find a rate to suit you.

Branches open until 7pm

Branches open until 7pm

WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LOAN EARLY.


VARIABLE RATE LOANS: THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.

Frequently Asked Questions

Can I get a mortgage offer before I find my property?

Yes you can. In fact it's a good idea to talk to us as early as possible so you can act faster later. We can agree a loan in principle, and when you find the property you like we will carry out a valuation to make a formal mortgage offer.

What does APR mean?

APR stands for Annual Percentage Rate and it's there for your protection. The point of it is to help you compare the true cost of any loan versus any other loan. The APR includes all possible costs including fees, legal costs and management charges so you can't get caught out with hidden charges. All lenders must by law show the accurate APR for their loan - you should always ask for it.

How do I pay off the loan if I have an interest only loan?

If you have an interest-only mortgage your monthly payments only cover the interest charges, they don't pay back the loan (known as the 'capital'). For this you set up a separate account. This could be in the form of an Individual Savings Account (ISA), an endowment, or a pension.

Do I always need life insurance?

When you take out a mortgage, your lender needs to be sure that you'll be able to pay it back, even if you lose your job, become unwell for a long period or die.

Because of this, lenders usually insist you buy life cover when you take out your mortgage. We suggest you take out appropriate life cover policy. We can give you a quotation when you call in for a mortgage appointment.

What other costs might I have when taking out a mortgage?

It's important you add up all the costs involved in a mortgage, not just the interest rate. You may need to budget for a valuation fee, search fees, registry fees and legal costs, as well as stamp duty.

You'll need to take out buildings insurance to cover damage or rebuilding costs if needed. We also recommend you take out contents insurance along with sickness and unemployment cover, for your own peace of mind.

What is the early repayment charge for my mortgage?

Some mortgages, such as a fixed rate mortgage, charge a fee if you pay back the loan early. This can vary, so check your original letter of approval or terms and conditions for the amount.

What if I lose my job?

Please contact us if you have lost your job and you think you may have difficulties with the loan. The sooner you talk to us, the more options we can find for a solution.

WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.

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.

Typical Example: The cost per month of a typical €100,000, 20 year variable rate mortgage at 4.60% APR* (variable) is €632.65 excluding insurance. Total amount repayable €151,836.00. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €55.24. This quotation is for illustrative purposes only and the actual repayment may vary.
* APR = Annual Percentage Rate