Fixed Rate Mortgage - Fixed rate options

Looking for certainty in a fixed monthly mortgage repayment?

All rates correct at 6 March 2013.

SVR: Standard Variable Rate

Currently 4.50% ( 4.60% APR*). The Standard Variable Rate is not available to new customers.

APR: Annual Percentage Rate

LTV: Loan to Value

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

Mortgage type	Initial interest rate	Follow on rate	Max loan	Other information
Fixed Rate until 30 April 2015 LTV<60% New Business Only	3.60% fixed (4.40% APR)	SVR 4.5% (4.60% APR )	60% of property value	Valuation fee approximately €130 This mortgage is available to new business customers only Maximum term is 35 years subject to serviceability after retirement age Minimum term is 5 years Early repayment fee: See Legal Information
Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.40% APR is €585.11 excluding insurance. Total amount repayable €149,779.20. Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.40% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.60% APR unless an alternative rate is chosen. (Ref: fix9184)
Fixed Rate until 30 April 2015 LTV<90%	4.65% fixed (4.60% APR)	SVR 4.5% (4.60% APR )	90% of property value	Maximum term is 35 years subject to serviceability after retirement age Early repayment fee: See Legal Information Valuation fee approximately €130 Minimum term is 5 years
Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.60% APR is €640.77 excluding insurance. Total amount repayable €152,177.76. Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.60% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.60% APR unless an alternative rate is chosen. (Ref: fix4926)
Fixed Rate until 30 April 2016 LTV<90%	4.95% fixed (4.70% APR)	SVR 4.5% (4.60% APR )	90% of property value	Maximum term is 35 years subject to serviceability after retirement age Valuation fee approximately €130 Minimum term is 5 years Early repayment fee: See Legal Information
Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.70% APR is €657.20 excluding insurance. Total amount repayable €153,342.00. Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.70% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.60% APR unless an alternative rate is chosen. (Ref: fix4925)
Fixed Rate until 30 April 2018 LTV<90%	5.25% fixed (5.00% APR)	SVR 4.5% (4.60% APR )	90% of property value	Early repayment fee: See Legal Information Minimum term is 5 years Maximum term is 35 years subject to serviceability after retirement age Valuation fee approximately €130
Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 5.00% APR is €673.84 excluding insurance. Total amount repayable €155,855.40. Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 5.00% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.60% APR unless an alternative rate is chosen. (Ref: fix8988)

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

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.