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Green Mortgage

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— GREEN MORTGAGE —

A lower rate of interest for high energy rated homes

We now have a new lower rate of interest for going green if you are buying, moving to or have completed building a high energy rated home. Our green 4-year fixed rate mortgage is available to customers who want to live in a sustainable home. It offers a lower rate of interest for homes with a Buidling Energy Rating (BER) between A1 and B3.

If you are a first time buyer, mover, buying a holiday home, topping up on an existing mortgage, switching a mortgage to us, or moving to a different fixed rate, and the property is at least B3 rated, the EBS Green 4 Year Fixed Rate Mortgage is available to you.

Receive €2000 cash if you’re a Switcher and drawdown on the EBS Green 4 Year Fixed Rate Mortgage. For more information on the EBS Green 4 Year Fixed Rate Mortgage Switcher offer of €2000 click here 

— HOW IT WORKS —

Helping our customers go green

See if you're eligible

Available to customers who are buying for the first time, moving, buying a holiday home, topping-up an existing mortgage, switching a mortgage to us, moving to a different fixed rate or have fully completed building a high energy rated home

In negative equity?

You can also apply if you are moving home and your negative equity mortgage is with us

Provide a BER cert

You’ll need to provide a BER Certificate with a rating of A1, A2, A3, B1, B2 or B3. The BER Certificate needs to be dated in the last ten years

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— FAQ —

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We're happy to answer all your mortgage questions

The EBS green 4 year fixed rate mortgage is available to customers who are buying for the first time, moving, buying a holiday home, topping-up an existing mortgage, switching a mortgage to us, moving to a different fixed rate or have fully completed building a high energy rated home. You can also apply if you are moving home, and your negative equity mortgage is with us.

You’ll need to provide a valid BER certificate with a rating of A1, A2, A3, B1, B2 or B3 from within the last ten years.

  • Home address of the property being mortgaged
  • BER Grade A1, A2, A3, B1, B2 or B3
  • Be dated within the last 10 years

You can move from your current EBS Fixed Rate to get the EBS Green 4 Year Fixed Rate if there are at least four years left on your EBS mortgage. If you’re on one of our fixed rates, you may have to pay an early breakage charge to leave it. More information on how we calculate an early breakage charge can be found on the EBS Green 4 Year Fixed Rate Brochure.

You can leave your current EBS variable rate to get the green 4-year fixed rate mortgage if there are at least four years left on your current EBS mortgage. We won’t charge you an early breakage charge.

You can find out more, and get an idea of what the cost of the mortgage will be from your local EBS Office from your EBS Mortgage Advisor.

To apply, complete the Home Loan Interest Rate Application Form and post it with a copy of your BER Certificate to 10 Molesworth Street, Dublin 2, D02 R126.

 

Before the end of your green 4-year fixed rate mortgage term, we’ll send you our rates at that time. You can then choose a new rate.

You can apply for the green 4-year fixed rate mortgage rate again if:

  • Your property still has a BER rating between A1 and B3

  • The BER Certificate is dated within the last 10 years; and

  • The green 4-year fixed rate mortgage is still available.

If you don’t select a rate, the default interest rate at the time will be applied. The default interest rate at the end of a fixed rate period is our standard variable rate.

Customers listed below aren’t eligible for our green 4-year fixed rate mortgage:

  • Customers building their own property which isn’t finished yet

  • The property does not have a BER between A1 and B3

  • The property’s BER Certificate is more than 10 years old

  • Customers with a Buy to Let mortgage.

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Important Information

Our up to 3% Back in Cash Offer terms and conditions are as follows: 

  • The offer is not available on the new EBS Green 4 Year Fixed Rate and;

  • The offer is not available on any Variable Rate (including the Tracker Interest Rate Retention Product) or 1 Year Fixed Rate. For more information on the Terms and Conditions click here.

By signing the Home Loan Interest Rate Application Form, you are applying for this EBS Green 4 Year Fixed Rate Mortgage with the understanding that you cannot have the up to 3% Back in Cash Offer at mortgage drawdown. 

Customers who qualify for the EBS Green 4 Year Fixed Rate Mortgage can have a lower rate of interest than our other Fixed Rate Mortgage offerings available as of 17th October 2022.

There is usually a cost to get a BER Certificate. Please see Sustainable Energy Association of Ireland (SEAI) for more information. Please be advised that this is a 3rd party website.

You can find out more and get Cost of Credit examples from your EBS Mortgage Advisor.

For information on the EBS Green 4 Year Fixed Rate Mortgage including examples of the Cost of Credit and Early Breakage Charges please click here

 

Regulatory information

Home Mortgages General and Regulatory Information

A typical €100,000, 20 year mortgage for an Owner Occupier Residential Property with a ‘Green’ 4 year Fixed rate of 3.75% and APR 4.1%, this includes 48 monthly fixed repayments of €592.89 and 192 variable repayments of €610.17. If the interest rate does not vary (based on today’s equivalent variable Rate of 4.15%) during the term of the mortgage, the total cost of credit i.e. the total amount repayable less than the amount of the loan would be €45,826.01 (inclusive of €215.00 valuation report fees). The total amount repayable would be €145,826.01. The effect of a 1% increase in the prevailing variable rate (4.15%) will add €44.46 to the 192 monthly variable repayments. Available to new and existing customers. Breakage fees may apply in the case of existing customers. Lending criteria, terms and conditions apply.

 

  • Lending criteria, terms and conditions apply. Over 18s only. Security may be required.
  • WARNING: If you do not keep up your repayments you may lose your home.
  • WARNING: You may have to pay charges if you pay off a fixed-rate loan early.
  • WARNING: The cost of your monthly repayments may increase.
  • 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, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.