Mortgage Rates and Charges - Overview
Residential Mortgage Rates.
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.
All rates correct at 4th April 2012 and are subject to change. Over 18s only.
*Standard Variable Rate is currently 4.75% ( 4.90% 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
LTV**: Loan to Value
| Variable | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Discounted Variable <60% LTV with ufirstgold / ufirst Private discount (Standard Variable Rate* minus 1.15% for the life of the mortgage) | 3.70% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirstgold / ufirst Private discount at 3.70% APR (variable) is €585.11 excluding insurance. Total amount repayable €140,426.40. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €52.95. (Ref: var9189) |
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| Variable | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Discounted Variable <60% LTV with ufirst discount (Standard Variable Rate* minus 1.10% for the life of the mortgage) | 3.70% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirst discount at 3.70% APR (variable) is €587.70 excluding insurance. Total amount repayable €141,048.00. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.07. (Ref: var9188) |
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| Variable | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Discounted Variable Mortgage <60% LTV (Standard Variable Rate* minus 1.00% for the life of the mortgage) | 3.80% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage at 3.80% APR (variable) is €592.89 excluding insurance. Total amount repayable €142,293.60. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.33. (Ref: var9187) |
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| Variable | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Discounted Variable <75% LTV with ufirstgold / ufirst Private discount (Standard Variable Rate* minus 0.95% for the life of the mortgage). Available exclusively to ufirstgold / ufirst Private current account holders. | 3.90% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirstgold / ufirst Private discount discounted at 3.90% 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 €53.47. (Ref: var7824) |
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| Variable | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Discounted Variable <75% LTV with ufirst discount (Standard Variable Rate* minus 0.90% for the life of the mortgage) Available exclusively to ufirst current account holders |
3.90% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirst discount, at 3.90% APR (variable) is €598.11 excluding insurance. Total amount repayable €143,546.40. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.59. (Ref: var4932) |
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| Variable | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Discounted Variable Mortgage <75% (Standard Variable Rate* minus 0.80% for the life of the mortgage) | 4.00% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage at 4.00% APR (variable) is €603.35 excluding insurance. Total amount repayable €144,804.00. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.85. (Ref: var4944) |
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| Variable | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Discounted Variable <90% LTV with ufirstgold / ufirst Private discount (Standard Variable Rate* minus 0.70% for the life of the mortgage). Available exclusively to ufirstgold / ufirst Private current account holders. | 4.10% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirstgold / ufirst Private discount at 4.10% APR (variable) is €608.62 excluding insurance. Total amount repayable €146,068.80. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €54.10. (Ref: var7825) |
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| Variable | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Discounted Variable Mortgage <90% with ufirst discount (Standard Variable Rate* minus 0.65% for the life of the mortgage) Available exclusively to ufirst current account holders |
4.20% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirst discount at 4.20% APR (variable) is €611.26 excluding insurance. Total amount repayable €146,702.40. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €54.23. (Ref: var4933) |
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| Variable | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Discounted Variable Mortgage <90% (Standard Variable Rate* minus 0.55% for the life of the mortgage) | 4.30% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage at 4.30% APR (variable) is €616.57 excluding insurance. Total amount repayable €147,976.80. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €54.48. (Ref: var4945) |
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| Variable | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Investment Flexible Variable (Standard Variable Rate* + 0.65% for the life of the mortgage) | 5.50% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year investment variable rate mortgage at 5.50% APR is €682.25 excluding insurance. Total amount repayable €163,740.00. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €57.45. (Ref: var4946) |
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| Fixed | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Fixed Rate until 31 May 2013 LTV<75% New Business Only | 4.70% | ||
|
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. (Ref: fix8984) |
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| Fixed | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Fixed Rate until 31 May 2013 LTV<90% New Business Only | 4.80% | ||
|
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. (Ref: fix8985) |
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| Fixed | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Fixed Rate until 31 May 2014 LTV<60% New Business Only | 4.60% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.60% APR is €585.11 excluding insurance. Total amount repayable €152,446.80. (Ref: fix9184) |
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| Fixed | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Fixed Rate until 31 May 2014 LTV<75% New Business Only | 4.70% | ||
|
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. (Ref: fix8344) |
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| Fixed | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Fixed Rate until 31 May 2014 LTV<90% | 4.80% | ||
|
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. (Ref: fix4926) |
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| Fixed | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Investment Fixed Rate until 31 May 2014 | 5.00% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year investment fixed rate mortgage at 5.00% APR is €687.89 excluding insurance. Total amount repayable €156,810.00. (Ref: fix4924) |
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| Fixed | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Fixed Rate until 31 May 2015 LTV<60% New Business Only | 4.60% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.60% APR is €603.35 excluding insurance. Total amount repayable €152,392.80. (Ref: fix9185) |
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| Fixed | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Fixed Rate until 31 May 2015 LTV<75% | 4.90% | ||
|
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. (Ref: fix8986) |
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| Fixed | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Fixed Rate until 31 May 2015 LTV<90% | 4.90% | ||
|
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. (Ref: fix4925) |
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| Fixed | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Fixed Rate until 31 May 2017 LTV<60% New Business Only | 4.70% | ||
|
Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.70% APR is €632.65 excluding insurance. Total amount repayable €153,747.60. (Ref: fix9186) |
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| Fixed | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Fixed Rate until 31 May 2017 LTV<75% | 4.90% | ||
|
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. (Ref: fix8987) |
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| Fixed | |||
|---|---|---|---|
| Mortgage type | Typical APR 20 years | ||
| Fixed Rate until 31 May 2017 LTV<90% | 5.10% | ||
|
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. (Ref: fix8988) |
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