Typical Example The cost per month of a typical Secure Step €100,000, 20 year variable rate mortgage at 3.00% APR is €552.10 excluding insurance. Total amount repayable €132,503.51 Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €32,503.51. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €51.25 The total cost of credit of a 1% rise in the rate of interest is €44,803.74.

(Ref: var5264)

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage at 3.10% APR is €559.11 excluding insurance. Total amount repayable €134,187.30. Total cost of credit (Total Amount Repayable - Mortgage Amount) €34,187.30. If rates increase by 1% an additional €51.62 would be payable monthly. Total cost of credit with 1% increase is €46,575.97.

(Ref: var6904)

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirst discount with a typical 3.70% APR is €587.70 excluding insurance. Total amount repayable €141,047.33. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €41,047.33. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.08. The total cost of credit of a 1% rise in the rate of interest is €53,785.98.

Available to ufirst current account holders only. A monthly membership fee of €10 applies. This fee is subject to change. If you close your ufirst account, the interest rate on this loan will revert to either the Flexible Variable Rate or the Discounted Variable Rate. The relevant rate will be set out in your loan offer.

(Ref: var4932)

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with ufirst discount with a typical 3.80% APR is €592.89 excluding insurance. Total amount repayable €142,293.20. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €42,293.20. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.34. The total cost of credit of a 1% rise in the rate of interest is €55,093.67.

Available to ufirst current account holders only. A monthly membership fee of €10 applies. This fee is subject to change. If you close your ufirst account, the interest rate on this loan will revert to either the Flexible Variable Rate or the Discounted Variable Rate. The relevant rate will be set out in your loan offer.

(Ref: var4933)

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with a typical 3.90% APR is €598.11 excluding insurance. Total amount repayable €143,545.34. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €43,545.34. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.59. The total cost of credit of a 1% rise in the rate of interest is €56,407.43.

(Ref: var4944)

Typical Example The cost per month of a typical €100,000, 20 year variable rate mortgage with a typical 4.00% APR is €603.35 excluding insurance. Total amount repayable €144,803.74 Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €44,803.74. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €53.85 The total cost of credit of a 1% rise in the rate of interest is €57,727.22.

(Ref: var4945)

Typical Example The cost per month of a typical €100,000, 20 year investment variable rate mortgage with a typical 4.60% APR is €632.65 excluding insurance. Total amount repayable €151,835.85. Total Cost of Credit(Total Amount Repayable - Mortgage Amount) €51,835.85. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €55.24. The total cost of credit of a 1% rise in the rate of interest is €65,092.95.

(Ref: var4946)

Typical Example The cost per month of a typical €100,000, 20 year top-up variable rate mortgage with ufirst discount with a typical 4.80% APR is €640.77 excluding insurance. Total amount repayable €153,785.98. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €53,785.98. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €55.61. The total cost of credit of a 1% rise in the rate of interest is €67,132.82.

Available to ufirst current account holders only. A monthly membership fee of €10 applies. This fee is subject to change. If you close your ufirst account, the interest rate on this loan will revert to the Top-up Flexible Variable Rate.

(Ref: var6104)

Typical Example The cost per month of a typical €100,000, 20 year top-up variable rate mortgage with a typical 5.00% APR is €651.70 excluding insurance. Total amount repayable €156,407.43. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €56,407.43. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €56.11. The total cost of credit of a 1% rise in the rate of interest is €69,873.07.

(Ref: var6124)

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.00% APR is €616.57 excluding insurance. Total amount repayable €144,327.11. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €44,327.11.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.00% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 3.90% unless an alternative rate is chosen.

(Ref: fix4924)

Typical Example The cost per month of a typical €100,000, 20 year investment fixed rate mortgage at 4.00% APR is €627.26 excluding insurance. Total amount repayable €144,773.38. Total Cost of Credit(Total Amount Repayable - Mortgage Amount) €44,773.38.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.00% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 3.90% unless an alternative rate is chosen.

(Ref: fix4927)

Typical Example The cost per month of a typical €100,000, 20 year top-up fixed rate mortgage at 4.20% APR is €671.05 excluding insurance. Total amount repayable €146,554.90. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €46,554.90.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.20% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 3.90% unless an alternative rate is chosen.

(Ref: fix6144)

Typical Example The cost per month of a typical €100,000, 20 year investment top-up variable rate mortgage with a typical 5.60% APR is €687.89 excluding insurance. Total amount repayable €165,092.95. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €65,092.95. The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €57.69. The total cost of credit of a 1% rise in the rate of interest is €78,937.55.

(Ref: var6145)

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.10% APR is €621.90 excluding insurance. Total amount repayable €145,022.42. Total Cost of Credit (Total Amount Repayable -Mortgage Amount) €45,022.42.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.10% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 3.90% unless an alternative rate is chosen.

(Ref: fix4925)

Typical Example The cost per month of a typical €100,000, 20 year Secure Step fixed rate mortgage at 4.00% APR is €603.35 excluding insurance. Total amount repayable €144,068.43. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €44,068.43.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.00% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 3.90% unless an alternative rate is chosen.

(Ref: fix5284)

Typical Example The cost per month of a typical €100,000, 20 year fixed rate mortgage at 4.50% APR is €657.20 excluding insurance. Total amount repayable €149,322.80. Total Cost of Credit (Total Amount Repayable - Mortgage Amount) €49,322.80.

Fixed rates will have a set rate until the maturity of the fixed rate. Example above assumes that the fixed rate with a typical 4.50% APR remains constant for the length of the fixed term. On maturity the rate will default to the Standard Variable Rate 3.90% unless an alternative rate is chosen.

(Ref: fix4926)