You are here:

Useful information

Fixed Rate Mortgage - Fixed rate options

Looking for certainty in a fixed monthly mortgage repayment?

*Standard Variable Rate is currently 4.75% ( 4.90% APR). The Standard Variable Rate is not available to new customers.

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

Mortgage type Initial interest rate Follow on rate Max loan Other information
Fixed Rate until 31 March 2013 LTV<75% New Business Only 3.80% fixed
(4.70% APR)		 SVR 4.75% (4.90% APR ) 75% of property value
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information
  • Maximum term is 35 years subject to serviceability after retirement age
  • Valuation fee approximately €130
  • This mortgage is available to new business customers only

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.70% APR is €595.49 excluding insurance. Total amount repayable €153,977.88. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €53,977.88.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.70% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix8984)

       
Fixed Rate until 31 March 2013 LTV<90% New Business Only 3.95% fixed
(4.80% APR)		 SVR 4.75% (4.90% APR ) 90% of property value
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information
  • Maximum term is 35 years subject to serviceability after retirement age
  • Valuation fee approximately €130
  • This mortgage is available to new business customers only

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.80% APR is €603.35 excluding insurance. Total amount repayable €154,154.28. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €54,154.28.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.80% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix8985)

       
Fixed Rate until 31 March 2014 LTV<75% New Business Only 4.10% fixed
(4.70% APR)		 SVR 4.75% (4.90% APR ) 75% of property value
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information
  • Maximum term is 35 years subject to serviceability after retirement age
  • Valuation fee approximately €130
  • This mortgage is available to new business customers only

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.70% APR is €611.26 excluding insurance. Total amount repayable €153,599.28. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €53,599.28.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.70% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix8344)

       
Fixed Rate until 31 March 2014 LTV<90% 4.50% fixed
(4.80% APR)		 SVR 4.75% (4.90% 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 4.80% APR is €632.65 excluding insurance. Total amount repayable €154,518.72. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €54,518.72.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.80% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix4926)

       
Fixed Rate until 31 March 2015 LTV<75% 4.75% fixed
(4.90% APR)		 SVR 4.75% (4.90% APR ) 75% 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 4.90% APR is €646.22 excluding insurance. Total amount repayable €155,092.80. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €55,092.80.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.90% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix8986)

       
Fixed Rate until 31 March 2015 LTV<90% 4.95% fixed
(4.90% APR)		 SVR 4.75% (4.90% APR ) 90% of property value
  • Minimum term is 5 years
  • Valuation fee approximately €130
  • Early repayment fee: See Legal Information
  • Maximum term is 35 years subject to serviceability after retirement age

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.90% APR is €657.20 excluding insurance. Total amount repayable €155,767.56. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €55,767.56.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.90% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix4925)

       
Fixed Rate until 31 March 2017 LTV<75% 4.85% fixed
(4.90% APR)		 SVR 4.75% (4.90% APR ) 75% of property value
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information
  • 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 4.90% APR is €651.70 excluding insurance. Total amount repayable €155,632.20. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €55,632.20.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.90% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix8987)

       
Fixed Rate until 31 March 2017 LTV<90% 5.25% fixed
(5.10% APR)		 SVR 4.75% (4.90% APR ) 90% of property value
  • Maximum term is 35 years subject to serviceability after retirement age
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information
  • Valuation fee approximately €130

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 5.10% APR is €673.84 excluding insurance. Total amount repayable €157,792.20. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €57,792.20.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 5.10% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix8988)