Changes to EBS Fixed Rates for Mortgages
We will decrease our non-Green Fixed rates on Private Dwelling House (PDH) mortgages for all mortgage customers.
The new rates will be effective from 24 July 2025 and are follows:
| Term | Current Rate | New Rate |
|---|---|---|
| 1 Year Fixed | 4.05% | 3.85% |
| 2 Year Fixed | 4.40% | 3.90% |
| 3 Year Fixed | 4.50% | 4.30% |
| 5 Year Fixed | 4.60% | 4.40% |
To request a change to the interest rate on your mortgage you must complete the customer information and section 2 of the Home Loan Interest Rate Application Form (PDF, 4 pages, 596KB). Please print and complete the form ensuring it is signed by all parties to the mortgage and email to info@ebs.ie. Alternatively, return to the address shown on the form.
Questions & Answers
- If you have drawn down your mortgage prior to 24 July 2025 it will have had the existing fixed rate (as per their Letter of Offer) on the date of drawdown applied.
- These changes to non-Green fixed rate will be effective from Thursday, 24 July 2025.
- If you drawdown your mortgage on a fixed rate it will have the existing Fixed rate on the date of drawdown applied.
- If you drawdown your mortgage prior to 24 July 2025 then the existing rate prior to this announcement will apply.
- If you drawdown your mortgage on or after 24 July 2025 we will apply the new lower rates.
You don’t have to do anything now. Before we send your Letter of Offer, your Mortgage Advisor will ask you what interest rate you want.
- If you already have a fixed rate on your mortgage, this fixed rate will continue to apply until the end of your fixed rate term.
- If you want to move to an alternative fixed rate, you may have to pay an early breakage charge.
- Please contact your Mortgages Advisor or local EBS Office for more details
No, we are not changing our Variable Rates.
Details of our mortgage rates are available on our website. You can visit EBS Mortgage Interest Rates