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Mortgages

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1800 303 004

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Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.

Mortgage Rates, Charges and Fees

All rates correct at 19 February 2015 and are subject to change. Over 18s only.

*Standard Variable Rate is currently 4.3% ( 4.4% APR*). The Standard Variable Rate is not available to new customers. As Standard Variable Rate is not linked to the ECB base rate, the rate can increase at any time even if there is no change in the ECB base rate.

The typical examples quoted are for illustrative purposes only and the actual repayment may vary.

APR: Annual Percentage Rate

LTV**: Loan to Value

Variable
Mortgage type Typical APR 20 years
Discounted Variable Mortgage <60% LTV (Standard Variable Rate* minus 0.50% for the life of the mortgage) 3.9%

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage at 3.9% APR (variable) is €595.49 excluding insurance. Total amount repayable €142,917.60. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €58.95.

(Ref: var9187)

Variable
Mortgage type Typical APR 20 years
Discounted Variable Mortgage <80% (Standard Variable Rate* minus 0.40% for the life of the mortgage) 4.0%

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage at 4.0% APR (variable) is €600.72 excluding insurance. Total amount repayable €144,172.80. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.72.

(Ref: var4944)

Variable
Mortgage type Typical APR 20 years
Flexible Variable Mortgage <90% (Standard Variable Rate* plus 0.0% for the life of the mortgage) 4.4%

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage at 4.4% APR (variable) is €621.90 excluding insurance. Total amount repayable €149,256.00. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €54.74.

(Ref: var4945)

Variable
Mortgage type Typical APR 20 years
Investment Flexible Variable (Standard Variable Rate* + 0.65% for the life of the mortgage) 5.1%

Typical Example The cost per month of a typical €100,000, 20 year investment variable rate mortgage at 5.1% APR is €657.20 excluding insurance. Total amount repayable €157,728.00. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €56.35.

(Ref: var4946)

Fixed
Mortgage type Typical APR 20 years
2 Year Investment Fixed Rate (Fixed until 31/05/2017) 4.7%

Typical Example The cost per month of a typical €100,000, 20 year investment fixed rate mortgage at 4.7% APR is €687.89 excluding insurance. Total amount repayable €151,967.28.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.7% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.4% APR unless an alternative rate is chosen.

(Ref: fix4924)

Fixed
Mortgage type Typical APR 20 years
3 Year Fixed Rate <60% LTV (Fixed until 31/05/2018) 4.2%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.2% APR is €587.70 excluding insurance. Total amount repayable €147,092.52.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.2% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.4% APR unless an alternative rate is chosen.

(Ref: fix10792)

Fixed
Mortgage type Typical APR 20 years
3 Year Fixed Rate <80% LTV (Fixed until 31/05/2018) 4.2%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.2% APR is €592.89 excluding insurance. Total amount repayable €147,426.24.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.2% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.4% APR unless an alternative rate is chosen.

(Ref: fix10691)

Fixed
Mortgage type Typical APR 20 years
3 Year Fixed Rate <90% LTV (Fixed until 31/05/2018) 4.2%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.2% APR is €598.11 excluding insurance. Total amount repayable €147,759.00.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.2% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.4% APR unless an alternative rate is chosen.

(Ref: fix10690)

Fixed
Mortgage type Typical APR 20 years
5 Year Fixed Rate <60% LTV (Fixed until 31/05/2020) 4.1%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.1% APR is €590.29 excluding insurance. Total amount repayable €146,077.80.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.1% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.4% APR unless an alternative rate is chosen.

(Ref: fix10791)

Fixed
Mortgage type Typical APR 20 years
5 Year Fixed Rate <80% LTV (Fixed until 31/05/2020) 4.1%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.1% APR is €595.49 excluding insurance. Total amount repayable €146,605.80.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.1% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.4% APR unless an alternative rate is chosen.

(Ref: fix10693)

Fixed
Mortgage type Typical APR 20 years
5 Year Fixed Rate <90% LTV (Fixed until 31/05/2020) 4.2%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.2% APR is €600.72 excluding insurance. Total amount repayable €147,135.60.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.2% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.4% APR unless an alternative rate is chosen.

(Ref: fix10692)

Fixed
Mortgage type Typical APR 20 years
7 Year Fixed Rate <60% LTV (Fixed until 31/05/2022) 4.1%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.1% APR is €595.49 excluding insurance. Total amount repayable €145,725.60.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.1% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.4% APR unless an alternative rate is chosen.

(Ref: fix10790)

Fixed
Mortgage type Typical APR 20 years
7 Year Fixed Rate <80% LTV (Fixed until 31/05/2022) 4.1%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.1% APR is €600.72 excluding insurance. Total amount repayable €146,430.12.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.1% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.4% APR unless an alternative rate is chosen.

(Ref: fix10695)

Fixed
Mortgage type Typical APR 20 years
7 Year Fixed Rate <90% LTV (Fixed until 31/05/2022) 4.2%

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.2% APR is €605.45 excluding insurance. Total amount repayable €147,064.56.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.2% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.4% APR unless an alternative rate is chosen.

(Ref: fix10694)

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

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

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.