Our Mortgage Rates
Variable interest rates - new and existing customers
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 2.75% | 2.81% |
| <= 60% | 2.95% | 3.02% |
| <= 70% | 2.95% | 3.02% |
| <= 80% | 2.95% | 3.02% |
| <= 90% | 3.15% | 3.22% |
Fixed interest rates - new and existing customers
3 Year Fixed Rates
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50%* | 2.25% | 2.66% |
| <= 60%* | 2.25% | 2.80% |
| <= 70%* | 2.30% | 2.82% |
| <= 80%* | 2.30% | 2.82% |
| <= 90% | 2.65% | 3.07% |
5 Year Fixed Rates
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50%* | 2.30% | 2.60% |
| <= 60%* | 2.30% | 2.71% |
| <= 70%* | 2.35% | 2.73% |
| <= 80%* | 2.35% | 2.73% |
| <= 90% | 2.80% | 3.05% |
**Available from 21st May 2021
Please note: Our 10,15 and 20 year fixed rates below will be available for new business from June 2021
10 Year Fixed Rates
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 2.40% | 2.53% |
| <= 60% | 2.40% | 2.58% |
| <= 70% | 2.55% | 2.70% |
| <= 80% | 2.70% | 2.82% |
| <= 90% | 2.85% | 2.98% |
15 Year Fixed Rates
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 2.50% | 2.57% |
| <= 60% | 2.50% | 2.58% |
| <= 70% | 2.65% | 2.72% |
| <= 80% | 2.80% | 2.87% |
| <= 90% | 2.95% | 3.03% |
20 Year Fixed Rates
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 2.60% | 2.66% |
| <= 60% | 2.60% | 2.66% |
| <= 70% | 2.75% | 2.81% |
| <= 80% | 2.90% | 2.96% |
| <= 90% | 2.99% | 3.06% |
*APRC = Annual Percentage Rate of Charge
Qualifying Criteria
The Progress mortgage is available to customers who have no previous credit issues and are taking out a mortgage on their main home only.
The Details:- Borrow up to 90% loan to value for first time buyers and up to 80% for movers or refinance.
- Up to 35 year term available, with a minimum term of 5 years.
- Borrow up to €1,250,000 in Dublin city and county up to €750,000 elsewhere. Please note: for fixed terms of 10 years or longer, the maximum loan amount is €1,000,000 in Dublin city and county.
- Loans provided on a capital and interest basis only.
- Buy-to-Let loans are excluded.
- Self-employed applicants will need to provide a minimum of 3 years supporting income documentation.
Variable interest rates - new and existing customers
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 3.10% | 3.17% |
| <= 60% | 3.25% | 3.32% |
| <= 70% | 3.30% | 3.38% |
| <= 80% | 3.60% | 3.69% |
| <= 90% | 3.90% | 4.00% |
*APRC = Annual Percentage Rate of Charge
**An interest-only period is available for the first 5 years of the loan
For buy to let properties
| Loan to Value (LTV) | Rate Capital & Interest |
APRC* | Rate Interest only** |
APRC* |
|---|---|---|---|---|
| <= 50% | 4.40% | 4.77% | 4.50% | 4.95% |
| <= 60% | 4.75% | 5.13% | 4.85% | 5.32% |
| <= 70% | 4.75% | 5.13% | 4.85% | 5.32% |
| <= 80% | 4.80% | 5.20% | 4.90% | 5.38% |
For buy to let properties - New business only
| Loan to Value (LTV) | Rate Capital & Interest |
APRC* |
|---|---|---|
| <= 60% | 3.75% | 4.09% |
| <= 70% | 3.95% | 4.30% |
Fixed interest rates - new and existing customers
3 Year Fixed Rates
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 3.20% | 3.20% |
| <= 60% | 3.20% | 3.31% |
| <= 70% | 3.20% | 3.34% |
| <= 80% | 3.20% | 3.56% |
| <= 90% | 3.35% | 3.82% |
5 Year Fixed Rates
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 3.35% | 3.29% |
| <= 60% | 3.35% | 3.37% |
| <= 70% | 3.35% | 3.40% |
| <= 80% | 3.35% | 3.56% |
| <= 90% | 3.50% | 3.80% |
*APRC = Annual Percentage Rate of Charge
Qualifying Criteria
The Progress Plus mortgage allows for a little more flexibility around things like previous credit issues, self-employed income assessment, refinancing and buying a buy-to-let property for example.
The Details:- Borrow up to 90% loan to value for first time buyers, up to 80% for movers or refinance and up to 70% for buy-to-let properties.
- Up to 35 year term available, with a minimum term of 5 years.
- Borrow up to €1,250,000 in Dublin city and county and up to €750,000 elsewhere.
- 5 years interest only option available.
- Self-employed applicants will need to provide a minimum of 2 years supporting income documentation (we can consider just one year’s documentation for the newly self-employed – talk to your broker for more details).
- Previous arrears on unsecured loans must be more than two years ago and on secured loans more than 4 years ago.
- A fee of €500 will apply to buy-to-let mortgages.
Variable interest rates - new and existing customers
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 3.35% | 3.49% |
| <= 60% | 3.60% | 3.74% |
| <= 70% | 3.65% | 3.80% |
| <= 80% | 3.95% | 4.11% |
For buy to let properties
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 4.75% | 5.14% |
| <= 70% | 5.00% | 5.40% |
| <= 80% | 5.25% | 5.67% |
*APRC = Annual Percentage Rate of Charge
Fixed interest rates - new and existing customers
3 Year Fixed Rates
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 3.45% | 3.52% |
| <= 60% | 3.45% | 3.70% |
| <= 70% | 3.45% | 3.73% |
| <= 80% | 3.45% | 3.95% |
5 Year Fixed Rates
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 3.60% | 3.61% |
| <= 60% | 3.60% | 3.74% |
| <= 70% | 3.60% | 3.77% |
| <= 80% | 3.60% | 3.94% |
*APRC = Annual Percentage Rate of Charge
This product is closed for new business. Existing Enhance customers can move both rate and product depending on loan to value and/or their personal circumstances.
For more information call 1890 995 998.
Regulatory Notices
Where a variable interest rate applies to the loan:
Warning: The cost of your monthly repayments may increase.
Where a fixed interest rate applies to a loan:
Warning: You may have to pay charges if you pay off a fixed-rate loan early.
Warning: If you do not keep up your repayments you may lose your home.
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.