Investment Mortgage - Investment mortgage options

All rates correct at 6 March 2013.

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

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

APR*: Annual Percentage Rate

Mortgage type	Initial interest rate	Follow on rate	Max loan	Other information
Investment Flexible Variable (Standard Variable Rate* + 0.65% for the life of the mortgage)	5.15% variable (5.30% APR)	N/A	75% of property value	Valuation fee approximately €130 Minimum term is 5 years Maximum term is 25 years subject to serviceability after retirement age The maximum mortgage available is up to 75% of purchase price/ value of the property (whichever is lower) in the following urban areas only - Dublin, Cork, Limerick & Galway. For properties in all other locations the maximum mortgage available is up to 50% of purchase price/ value of the property (whichever is lower). Early repayment fee: See Legal Information
Typical Example The cost per month of a typical €100,000, 20 year investment variable rate mortgage at 5.30% APR is €668.27 excluding insurance. Total amount repayable €160,384.80. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €56.84. (Ref: var4946)
Investment Fixed Rate until 31 July 2015	5.50% fixed (4.80% APR)	SVR 4.5% (4.60% APR )	75% of property value	Minimum term is 5 years Valuation fee approximately €130 The maximum mortgage available is up to 75% of purchase price/ value of the property (whichever is lower) in the following urban areas only - Dublin, Cork, Limerick & Galway. For properties in all other locations the maximum mortgage available is up to 50% of purchase price/ value of the property (whichever is lower). Early repayment fee: See Legal Information Maximum term is 25 years subject to serviceability after retirement age
Typical Example The cost per month of a typical €100,000, 20 year investment fixed rate mortgage at 4.80% APR is €687.89 excluding insurance. Total amount repayable €154,107.84. Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.80% 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: fix4924)

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

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.