Fixed term rate tabbed component

  • Fixed Term Rates
    BALANCED

    Choose a rate which is fixed for a set number of years with 3, 4, 5, 7 and 10-year options and competitive follow-on variable rates. After that you will roll to our competitive follow-on variable rates or you can choose to take another fixed rate. 2
     

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  • Simple competitive rate mortgages 
    Competitive rates from 3.85% (3.87% APRC)1 from our straightforward product range with the same options no matter what your loan size or BER rating. 
     
    Flexibility with an overpayment allowance
    You can overpay 10% of the mortgage balance annually without penalty, save in interest payments and pay off your mortgage faster.4 Example: overpaying €35,000 on a 20-year €400,000 mortgage can lower monthly repayments by €309 (save €13,100) or shorten the term by 27 months (save €30,500).
     
    Fairness means a maximum 2% early redemption fee
    If you pay off your mortgage early, you can be sure that the maximum early redemption fee won’t be any more than 2% of your remaining mortgage balance. 
     
    Early redemption fee can be waived or refunded for home movers
    If you decide to move home, you may be eligible for a waiver or refund of your early redemption fee. This benefit is not usually available with fixed rate mortgages in Ireland.5 To qualify, you must be approved for a new mortgage with us for the same amount and term and within 12 months of redeeming your old mortgage.

One Mortage tabbed component

  • One Mortgage
    MOST CERTAINTY

    Only mortgage in Ireland which provides you with a fixed rate for the full mortgage term, so your repayment never changes.2 
     

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  • Flexibility with a 10% overpayment allowance
    You can overpay 10% of the mortgage balance annually without penalty, save in interest payments and pay off your mortgage faster.4 Example: overpaying €35,000 on a 20-year €400,000 mortgage can lower monthly repayments by €309 (save €13,100) or shorten the term by 27 months (save €30,500).
     
    Fairness means a maximum 2% early redemption fee
    If you pay off your mortgage early, you can be sure that the maximum early redemption fee won’t be any more than 2% of your remaining mortgage balance for the first 10 years and after that, this reduces to 1.5% of your remaining balance.
     
    Early redemption fee can be waived or refunded for home movers
    If you decide to move home, you may be eligible for a waiver or refund of your early redemption fee. This benefit is not usually available with fixed rate mortgages in Ireland. 5 To qualify you must be approved for a new mortgage with us for the same amount and term and within 12 months of redeeming your old mortgage.
     
    Rate Lock
    With the One Mortgage, we’ll guarantee you the interest rate detailed in your Loan Offer Letter for 3 months, even if we increase our rates in the meantime. After that, your mortgage will be subject to the prevailing rate at the time of drawdown. 6 

Variable rate tabbed component

  • Follow-on Variable Rates
    MOST FLEXIBILITY

    Our follow-on variable rates will give you the full flexibility to make changes to your mortgage and make unlimited overpayments. Available to our existing customers only, who are moving off an existing fixed rate of interest. It is not currently available for new bussiness or Mortgage Top-Up customers.

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  • Variable interest rate
    While a variable rate offers flexibility, it also means that your interest rate can change. We will always give you 30 days’ notice before increasing your rate. Find out more about our variable rates here
     
    Flexibility to make unlimited overpayments
    Overpay as much of the balance as you want, with no early redemption fee. A great option if you’re expecting to make a lump sum payment to your mortgage. 
     
    Flexibility to switch to another product
    Choose one of our fixed rate products at any time. Existing customers can avail of the same rates as new customers when moving to a new product.
     
    No early redemption fees
    Flexibility to redeem your mortgage in full without penalty.