We are delighted to announce that the revised variable rates came in to effect from 1st July 2016 for new and existing customers.
In respect of Fixed Rates, APRCs may be higher or lower than the nominal rate, as they are calculated on the basis that the loan reverts to the standard variable rate (which may be higher or lower than the fixed rate) following the fixed rate term.
Note: If you chose to convert a loan from a Tracker rate to a Fixed interest rate, at the end of the Fixed rate period, you will only have the option of moving to a Variable rate or choosing a new Fixed rate term. The original Tracker rate will not be available.
For Variable rates the APRC is calculated on the basis that the current rate will remain unchanged for the full term of the loan.
The APRC quoted are inclusive of €150.00 and €65.00 valuation report fees and security release fee of €60.00.
Click here for more information about our mortgage interest rate options.
The quoted APRC is a typical APRC based on an assumed loan of €100,000 over the stated term
| Variable | Current Rates | Current APRC over 20 years | Current Cost per €'000 over 20 years |
| LTV Variable >80% | 3.50% | 3.58% | €5.79 |
| LTV Variable >50%<=80% | 3.30% | 3.37% | €5.69 |
| LTV Variable<=50% | 3.10% | 3.17% | €5.59 |
| Standard Variable (Discontinued) | 3.40% | 3.48% | €5.74 |
| Fixed | Current Rate | Current APRC over 20 years | Current Cost per €'000 over 20 years |
| 1 Year Fixed | 3.50% | 3.49% | €5.79 |
| 2 Year Fixed | 3.60% | 3.52% | €5.85 |
| 3 Year Fixed |
3.65% | 3.55% | €5.87 |
| 4 Year Fixed | 3.75% | 3.62% | €5.92 |
| 5 Year Fixed | 3.80% | 3.67% | €5.95 |
| Variable | Current Rates | Current APRC over 25 years | Current Cost per €'000 over 25 years |
| LTV Variable >80% | 3.50% | 3.57% | €5.00 |
| LTV Variable >50%<=80% | 3.30% | 3.37% | €4.89 |
| LTV Variable <=50% | 3.10% | 3.16% | €4.79 |
| Standard Variable (Discontinued) | 3.40% | 3.47% | €4.95 |
| Fixed | Current Rate | Current APRC over 25 years | Current Cost per €'000 over 25 years |
| 1 Year Fixed | 3.50% | 3.48% | €5.00 |
| 2 Year Fixed | 3.60% | 3.51% | €5.05 |
| 3 Year Fixed | 3.65% | 3.54% | €5.08 |
| 4 Year Fixed | 3.75% | 3.59% | €5.13 |
| 5 Year Fixed | 3.80% | 3.64% | €5.16 |
| Variable | Current Rate | Current APRC over 30 years | Current Cost per €'000 over 30 years |
| LTV Variable >80% | 3.50% | 3.57% | €4.48 |
| LTV Variable >50%<=80% | 3.30% | 3.36% | €4.37 |
| LTV Variable <=50% | 3.10% | 3.16% | €4.27 |
| Standard Variable (Discontinued) | 3.40% | 3.47% | €4.43 |
| Fixed | Current Rate | Current APRC over 30 years | Current Cost per €'000 over 30 years |
| 1 Year Fixed | 3.50% | 3.47% | €4.48 |
| 2 Year Fixed | 3.60% | 3.50% | €4.54 |
| 3 Year Fixed | 3.65% | 3.52% | €4.57 |
| 4 Year Fixed | 3.75% | 3.57% | €4.62 |
| 5 Year Fixed | 3.80% | 3.61% | €4.65 |
