EBS Green 4 Year Fixed Rate Mortgage Switcher Offer of €3,000

Receive €3,000 cash if you’re a Switcher and drawdown on the EBS Green 4 Year Fixed Rate Mortgage.

EBS Green 4 Year Fixed Rate Mortgage Switcher offer means that we will pay you €3,000 when you move to us and drawdown on the EBS Green 4 Year Fixed Rate Mortgage. Within two months of you taking out the EBS Green 4 Year Fixed Rate Mortgage, we’ll pay €3,000 into the current account you will use for the mortgage repayments. 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.

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We're happy to answer all your mortgage questions

  • 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.
  • Your property is in Ireland.
  • You have a direct debit set up on the current account that you will use to pay your mortgage repayments. This does not have to be an EBS current account.
  • Your mortgage loan is taken out between 10 March 2023 and 31 December 2025.

  • You’re switching a Buy to Let (BTL) mortgage or holiday home.
  • You’re already an EBS mortgage customer, including if you are moving home, transferring the title, or topping up a mortgage that you already have with us.
  • Your mortgage is taken out before 10 March 2023 or after 31 December 2025.

  • The EBS Green 4 Year Fixed Rate Mortgage Switcher offer of €3,000 is specifically for customers who have a mortgage with another lender and switch to take out the EBS Green 4 Year Fixed Rate Mortgage.
  • Customers switching to our EBS Green 4 Year Fixed Rate Mortgage who receive the EBS up to 3% Back in Cash offer on any part of the mortgage loan cannot receive the EBS Green 4 Year Fixed Rate Mortgage Switcher offer. More information on our up to 3% Back in Cash Offer.
  • We need to receive and accept your signed EBS Green 4 Year Fixed Rate Mortgage Switcher offer Application Form (PDF, 6 pages, 791KB) and a Home Loan Interest Rate Application Form (PDF, 4 pages, 596KB).
  • By signing the EBS Green 4 Year Fixed Rate Mortgage Switcher offer Application Form, you are applying for the EBS Green 4 Year Fixed Rate Mortgage Switcher offer with the understanding that you cannot have the EBS up to 3% Back in Cash.
  • Whether or not you take up the EBS Green 4 Year Fixed Rate Mortgage Switcher offer of €3,000, the cost of your mortgage credit will remain the same.
  • We recommend you get independent financial advice before taking out this offer.
  • If you have a tracker mortgage with another lender you will lose that tracker mortgage if you switch your mortgage to us, so we recommend that you get independent legal and financial advice on this application. 
  • We reserve the right to amend, withdraw, 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 try to inform all affected customers and provide a similar alternative offer that meets with our regulatory obligations.

More Information

  • What you can borrow will depend on what you can comfortably afford to repay monthly. This typically should not be more than 35% of your disposable income, however this varies depending on an individual’s circumstances.
  • If you take out a mortgage with a fixed rate of at least one year and decide to repay all or part of it early, if you change to a variable interest rate, or, if you change to another fixed interest rate, we may charge you an early breakage fee. You can find information about how we calculate and when we charge this early breakage charge by clicking Home Mortgages General and Regulatory Information and then selecting ‘Our mortgage interest rate options’.
  • You will need to have mortgage protection cover which can be arranged through us or you may get it through an Insurance company.
  • Keep in mind you will also need money for a valuation fee (you will need to use a valuer from the EBS Residential Mortgage Valuers panel), legal fees, maybe a surveyor and stamp duty. Also remember possible repairs and decoration costs on your new home.

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 3.55% and APR 4.0%, this includes 48 monthly fixed repayments of €582.53 and 192 variable repayments of €608.26. 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 €44,963.00 (inclusive of €215.00 valuation report fees). The total amount repayable would be €144,963.00. The effect of a 1% increase in the prevailing variable rate (4.15%) will add €44.33 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 Buy Now Pay Later (BNPL) agreement in the future.