Mortgage Rates Residential Mortgages

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% 2.55% 2.75%
<= 60% 2.55% 2.90%
<= 70% 2.60% 2.91%
<= 80% 2.60% 2.91%
<= 90% 2.65% 3.07%
5 Year Fixed Rates
For your main home
Loan to Value (LTV) Rate APRC*
<= 50% 2.60% 2.74%
<= 60% 2.60% 2.85%
<= 70% 2.65% 2.88%
<= 80% 2.65% 2.88%
<= 90% 2.80% 3.06%
7 Year Fixed Rates
For your main home
Loan to Value (LTV) Rate APRC*
<= 50% 2.95% 2.94%
<= 60% 2.95% 3.02%
<= 70% 3.40% 3.30%
<= 80% 3.40% 3.30%
<= 90% 3.60% 3.51%

*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.
  • Loans provided on a capital and interest basis only.
  • Debt consolidation is excluded on refinance loans.
  • 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% 3.33%
<= 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
***Available for refinance purposes only with no additional borrowings

For buy to let properties
Loan to Value (LTV) Rate
Capital & Interest
APRC* Rate
Interest only**
APRC*
<= 50% 4.40% 4.77% 4.50% 4.96%
<= 60% 4.75% 5.13% 4.85% 5.33%
<= 70% 4.75% 5.13% 4.85% 5.33%
<= 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% 3.35%
<= 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% 3.38%
<= 70% 3.35% 3.40%
<= 80% 3.35% 3.57%
<= 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. First time buyers have a maximum loan of €450,000 irrespective of location.
  • 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% 3.75%
<= 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% 5.41%
<= 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% 3.74%
<= 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% 3.75%
<= 70% 3.60% 3.78%
<= 80% 3.60% 3.94%

*APRC = Annual Percentage Rate of Charge

Qualifying Criteria

The Enhance mortgage is specifically for customers who have had credit issues that may make it difficult to get mortgage finance.

The Details:
  • Borrow up to 80% loan to value 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.
  • Self-employed applicants will need to provide a minimum of 2 years supporting income documentation.
  • Where you have had arrears on a secured loan, you cannot have missed any mortgage repayments in the last two years but could have missed payments beyond that (talk to your broker for more details).
  • For unsecured loans, you can have had more recent missed payments (talk to your broker for more details).
  • A fee of €500 will apply to Enhance mortgages for both your main home or a buy-to-let.
  • The Enhance mortgage is not available to first time buyers.

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.