The mortgage offer that's got your back

Whether you're buying your first home, moving to a new place or looking to switch your mortgage, we're here to help make things easier. With our latest mortgage offer, you can get up to 3% cashback, enjoy a lower 2-year fixed rate of 3.90% (4.2% APR (Annual Percentage Rate)), and have your own dedicated mortgage advisor to guide you through the process - helping you save from day one and feel supported every step of the way.

• 2% Back–in-Cash at drawdown means we will pay you 2% of the mortgage loan amount. We will pay this 2% into the current account you use for mortgage repayments within two months of taking out the mortgage.
• 1% Back-in-Cash in year 5 means we will pay you 1% of the original mortgage loan amount. We will pay this 1% into the current account you use for mortgage repayments within two months of the fifth year anniversary of the mortgage loan date.

To qualify for the 2% EBS Back-in-Cash Mortgage Offer:

• You have to take out the mortgage loan between 1 January 2019 and 31 of December 2026.
• You must draw down on one of the eligible Fixed Rates, 2 Year Fixed Rate, 3 Year Fixed Rate, or 5 Year Fixed Rate. The offer is not available on any Variable Rate (including the Tracker Interest Rate Retention Product), 1 Year Fixed Rate or the Green  4 Year Fixed Rate.
• You must be a mortgage customer who is a first time buyer, a mover, buying a holiday home or is switching a mortgage loan for a property you live in to us.
• You are buying a property in Ireland that you intend to live in or you are switching that property to us.
• You must fill in and send us the EBS 3% Cash Back Offer Mortgage Offer application form and we have to accept this form.
• You must have a direct debit set up on the current account used for the mortgage repayment.
• If you have a self-build mortgage loan - see below.

To qualify for the EBS 1% Back-in-Cash on the fifth anniversary of your mortgage drawdown you also need to:

• Have already received the EBS 2% Back In Cash on your mortgage loan account.
• Have your mortgage loan still open with us.
• On the fifth anniversary of your mortgage loan draw down, you do not need to be on a specific rate type to get the EBS 1% Back in Cash.

If you are building your own home:

• The first drawdown must occur between 1 January 2019 and 31 December 2026. If so:-
  • We will pay you 2% of the amount of each stage payment of the mortgage loan, which is drawn down within 18 months of the first payment. We will pay this 2% into the current account you use for mortgage repayments within two months of each stage payment.
  • We will pay you 1% of each stage payment of the mortgage loan. Only those stage payments which took place within 18 months of the first draw down will be eligible for the additional 1% payment.
  • Any payment that happens after 18 months of the first payment will not qualify.

You will not qualify for the EBS Back-in-Cash Mortgage Offer if:

• You are taking out any Variable Rate (including the Tracker Interest Rate Retention Product), 1 Year Fixed Rate or the Green 4 Year Fixed rate.
• You are already a mortgage customer of ours who is topping up a loan or a transfer of title mortgage loan.
• You have already got an EBS 2% Back in Cash Offer for a mortgage loan on the same property.
• You are drawing down a Buy To Let mortgage with us.

The offer will have no effect on the cost of your mortgage credit whether you take it or not.

If you have a tracker mortgage with another mortgage provider, switching your mortgage to EBS means you will lose that tracker rate. We recommend you get independent financial advice before deciding to switch your mortgage.

We reserve the right to amend, withdraw or terminate the offer or substitute the offer with another or alter the specification of the offer without prior notice. Should the offer be amended, terminated or withdrawn, we will endeavour to inform all affected customers and will provide a similar alternative offer that meets with our regulatory obligations.