You are here:

Useful information

Fixed Rate Mortgage - Fixed rate options

Looking for certainty in a fixed monthly mortgage repayment?

*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

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

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.

Mortgage typeInitial interest rateFollow on rateMax loanOther information
Fixed Rate until 31 May 2013 LTV<75% New Business Only3.80% fixed
(4.70% APR)		SVR 4.75% (4.90% APR )75% of property value
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information
  • Maximum term is 35 years subject to serviceability after retirement age
  • Valuation fee approximately €130
  • This mortgage is available to new business customers only

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.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.70% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix8984)

       
Fixed Rate until 31 May 2013 LTV<90% New Business Only3.95% fixed
(4.80% APR)		SVR 4.75% (4.90% APR )90% of property value
  • This mortgage is available to new business customers only
  • Early repayment fee: See Legal Information
  • Minimum term is 5 years
  • Maximum term is 35 years subject to serviceability after retirement age
  • Valuation fee approximately €130

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.

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 4.90% APR unless an alternative rate is chosen.

(Ref: fix8985)

       
Fixed Rate until 31 May 2014 LTV<60% New Business Only3.60% fixed
(4.60% APR)		SVR 4.75% (4.90% APR )60% of property value
  • Valuation fee approximately €130
  • This mortgage is available to new business customers only
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information
  • Maximum term is 35 years subject to serviceability after retirement age

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.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.60% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix9184)

       
Fixed Rate until 31 May 2014 LTV<75% New Business Only4.10% fixed
(4.70% APR)		SVR 4.75% (4.90% APR )75% of property value
  • Maximum term is 35 years subject to serviceability after retirement age
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information
  • Valuation fee approximately €130
  • This mortgage is available to new business customers only

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.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.70% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix8344)

       
Fixed Rate until 31 May 2014 LTV<90%4.50% fixed
(4.80% APR)		SVR 4.75% (4.90% APR )90% of property value
  • Maximum term is 35 years subject to serviceability after retirement age
  • Valuation fee approximately €130
  • Early repayment fee: See Legal Information
  • Minimum term is 5 years

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.

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 4.90% APR unless an alternative rate is chosen.

(Ref: fix4926)

       
Fixed Rate until 31 May 2015 LTV<60% New Business Only3.95% fixed
(4.60% APR)		SVR 4.75% (4.90% APR )60% of property value
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information
  • Maximum term is 35 years subject to serviceability after retirement age
  • Valuation fee approximately €130
  • This mortgage is available to new business customers only

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.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.60% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix9185)

       
Fixed Rate until 31 May 2015 LTV<75% 4.75% fixed
(4.90% APR)		SVR 4.75% (4.90% APR )75% of property value
  • Maximum term is 35 years subject to serviceability after retirement age
  • Valuation fee approximately €130
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information

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.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.90% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix8986)

       
Fixed Rate until 31 May 2015 LTV<90%4.95% fixed
(4.90% APR)		SVR 4.75% (4.90% APR )90% of property value
  • Valuation fee approximately €130
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information
  • Maximum term is 35 years subject to serviceability after retirement age

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.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.90% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix4925)

       
Fixed Rate until 31 May 2017 LTV<60% New Business Only4.50% fixed
(4.70% APR)		SVR 4.75% (4.90% APR )60% of property value
  • Early repayment fee: See Legal Information
  • Maximum term is 35 years subject to serviceability after retirement age
  • Minimum term is 5 years
  • Valuation fee approximately €130
  • This mortgage is available to new business customers only

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.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.70% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix9186)

       
Fixed Rate until 31 May 2017 LTV<75%4.85% fixed
(4.90% APR)		SVR 4.75% (4.90% APR )75% of property value
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information
  • Maximum term is 35 years subject to serviceability after retirement age
  • Valuation fee approximately €130

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.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 4.90% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix8987)

       
Fixed Rate until 31 May 2017 LTV<90%5.25% fixed
(5.10% APR)		SVR 4.75% (4.90% APR )90% of property value
  • Maximum term is 35 years subject to serviceability after retirement age
  • Minimum term is 5 years
  • Early repayment fee: See Legal Information
  • Valuation fee approximately €130

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.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate at 5.10% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 4.90% APR unless an alternative rate is chosen.

(Ref: fix8988)