— 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, are building 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 Building Energy Rating (BER) between A1 and B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B.
If you are a first time buyer, mover, building your own home, buying a holiday home (in Ireland that you intend to live in), topping up on an existing mortgage, switching a mortgage to us (where you live in the property), or moving to a different fixed rate, and the property is at least B3 rated or if the 'validity' date is after 24 May 2026 then A0, A or B the EBS Green 4 Year Fixed Rate Mortgage is available to you.
Receive €3,000 cash if you’re a Switcher (where you live in the property) and drawdown on the EBS Green 4 Year Fixed Rate Mortgage. More information on the EBS Green 4 Year Fixed Rate Mortgage Switcher offer of €3,000. You must be a mortgage customer with another lender switching your Private Dwelling House (PDH) mortgage (and any additional money above the existing mortgage) to the EBS Green 4 Year Fixed Rate Mortgage.
— HOW IT WORKS —
Helping our customers go green
See if you're eligible
Available to customers who are buying for the first time, moving, building their home, buying a holiday home (in Ireland that you intend to live in), topping-up an existing mortgage, switching (where you live in the property) a mortgage to us, moving to a different fixed rate or have fully completed building a high energy rated home
Provide a BER cert
You’ll need to provide a BER Certificate with a rating of A1, A2, A3, B1, B2 or B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B. The BER Certificate needs to be dated in the last ten years.
If you are building your own home we’ll need Architect Certs that show the build work meets nearly Zero Energy Building (nZeb) standards.
If you are undertaking renovations that don’t require planning permission, we’ll need a copy of your BER Certificate to confirm the home has a BER rating of between A1 and B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B, before starting the work. Or, if the work being done is intended to improve the BER of the home to at least B3 or if the 'validity' date is after 24 May 2026 then A0, A or B, then a copy of your BER Certificate can be provided after the work is done and the mortgage loan can then be changed to the Green 4 Year Fixed Rate.
— FAQ —
Got some questions?
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, bulding their own home, buying a holiday home (in Ireland that you intend to live in), topping-up an existing mortgage, switching a mortgage to us (where you live in the property), 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 copy of your valid BER certificate with a rating of A1, A2, A3, B1, B2 or B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B, from within the last ten years.
If you are building your own we’ll need Building Certs that show the build work meets nearly Zero Energy Building (nZeb) standards.
If you are undertaking renovations that don’t require planning permission, we’ll need your BER Certificate to confirm the home has a BER rating of between A1 and B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B, before starting the work. Or, if the work being done is intended to improve the BER of the home to at least B3 or if the validity date is after May 24 2026 A0, A or B then a copy of your BER Certificate can be provided after the work is done and the mortgage loan can then be changed to the Green 4 Year Fixed Rate.
- Home address of the property being mortgaged
- BER Grade A1, A2, A3, B1, B2 or B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B
- Be dated within the last 10 years
- Carbon Dioxide (CO2) Emissions Indicator Calculation
- A “Valid Until” Date / 'Validity' Date
From 24 May 2026, European Union (Energy Performance of Buildings) Regulations will change the scales for Building Energy Rating (BER) certificates removing sub-categories (A1,A2, A3, B1, B2, B3, C1, C2, C3, D1, D2, E1,E2 ,F,G ) and replacing them with simplified A0, A B, C, D, E, F, G ratings. The regulations also introduce a new A0 category for the most energy efficient properties. This means that any BER certificates with a 'validity' date after the 24 May 2026 will be rated AO, A, B, C, D, E, F, G.
No. If you have a valid BER certificate dated before 24 May 2026, it is still valid until expiry. BER certificates expire after 10 years.
Further information on BER certificates can be found on the Sustainable Energy Authority of Ireland (SEAI) website.
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.
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 or from your EBS Mortgage Advisor.
To apply, complete the Home Loan Interest Rate Application Form (PDF, 4 pages, 80.3KB) 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 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B.
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:
The property does not have a BER between A1 and B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, and your property doesn't have a rating of A0, A or B or does not meet nearly Zero Energy Building (nZeb) standards.
The property’s BER Certificate is more than 10 years old.
Customers with a Buy to Let mortgage.
Need more support?
Important Information
- If you are building your own home, we’ll need our Architect Certificates that show the build work meets nearly Zero Energy Building (nZeb) standards.
- If you are undertaking renovations that don’t require planning permission, we’ll need a copy of your BER Certificate to confirm the home has a BER rating of between A1 and B3 or if the 'validity' date on your BER Certificate is after 24 May 2026, your property will need to have a rating of A0, A or B, before starting the work. Or, if the work being done is intended to improve the BER of the home to at least B3 or if the 'validity' date is after 24 May 2026 then A0, A or B, then a copy of your BER Certificate can be provided after the work is done and the mortgage loan can then be changed to the Green 4 Year Fixed Rate.
- If you have a tracker mortgage with another lender then you will lose that tracker mortgage if you switch your mortgage to EBS so we recommend that you get independent legal and financial advice for this application.
- Your EBS Mortgage Advisor can provide you with a specific cost of credit illustration for the various options you are interested in, which will help you decide.
- We will provide you with the Cost of Credit specific to your mortgage in your Letter of Offer. This Cost of Credit will be specific to the rate you have chosen.
- We recommend that you get independent financial advice before deciding to take the EBS Green 4 Year Fixed Rate mortgage.
- Our up to 3% Back in Cash Offer is not available on the EBS Green 4 Year Fixed Rate, any variable rate (including the Tracker Interest Rate Retention Product) or our 1 Year Fixed Rate
- 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.
- There is usually a cost to get a BER Certificate. Please see Sustainable Energy Association of Ireland (SEAI) for more information.
- We can change, withdraw or swap the features and/or the associated rates of the EBS Green 4 Year Fixed rate mortgage without notice. Customers already on the rate will keep that rate until the end of their Fixed Rate period.
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 3.20% and APR 3.9%, this includes 48 monthly fixed repayments of €564.66 and 192 variable repayments of €604.87. 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 €43,454.70 (inclusive of €215.00 valuation report fees). The total amount repayable would be €143,454.70. The effect of a 1% increase in the prevailing variable rate (4.15%) will add €44.08 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: Your interest rate may increase and the amount of your mortgage repayments may increase as a result.
- WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a Buy Now Pay Later (BNPL) agreement in the future.