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Home Loan Interest Rates
The fixed and variable rates shown below are applicable from 13th November 2019.
Interest rates will have an impact on your mortgage term and how much you will repay each month – so it’s a good idea to get familiar with them. There are two main choices available, fixed or variable rate. Have a browse through our current rates below, or request a call back with your local Mortgage Master; they’ll will be happy to help you choose the best option.
If you have a Buy-To-Let Loan, or a Tracker Mortgage contact your local EBS office.
The quoted APRC in the rate tables below are a typical APRC based on an assumed loan of €100,000 over a 20 year term.
EBS’ New Business Fixed Rates
Some of us just crave the security of a fixed rate, as it means your repayments will stay the same over the fixed term. We have outlined our fixed business rates for new home loans in a nice chart below.
| Term | Rate | APRC | 10 Years | 15 Years | 20 Years | 25 Years | 30 Years | 35 Years |
|---|---|---|---|---|---|---|---|---|
| 1 Year | 2.90% | 3.70% | 9.61 | 6.86 | 5.50 | 4.69 | 4.16 | 3.79 |
| 2 Year | 2.90% | 3.60% | 9.61 | 6.86 | 5.50 | 4.69 | 4.16 | 3.79 |
| 3 Year | 2.90% | 3.60% | 9.61 | 6.86 | 5.50 | 4.69 | 4.16 | 3.79 |
| 4 Year | 2.90% | 3.50% | 9.61 | 6.86 | 5.50 | 4.69 | 4.16 | 3.79 |
| 5 Year | 2.90% | 3.40% | 9.61 | 6.86 | 5.50 | 4.69 | 4.16 | 3.79 |
EBS’ New Business Variable Rates
A variable rate can go up and down. Have a look at EBS’ new home loan variable rates below.
For information on the EBS Variable Rate Policy Statement please click here
Owner Occupier mortgage customers may be able to move to a lower Loan to Value (LTV) interest rate where the LTV changes sufficiently throughout the mortgage. There is more information on this option here
Cost per €'000
*Loan to Value
| LTV* | Rate | APRC | 10 Years | 15 Years | 20 Years | 25 Years | 30 Years | 35 Years |
|---|---|---|---|---|---|---|---|---|
| <=50% | 3.30% | 3.40% | 9.80 | 7.05 | 5.70 | 4.90 | 4.38 | 4.02 |
| >50% - <=80% | 3.50% | 3.60% | 9.89 | 7.15 | 5.80 | 5.01 | 4.49 | 4.13 |
| >80% | 3.70% | 3.80% | 9.98 | 7.25 | 5.90 | 5.11 | 4.60 | 4.25 |
| Rate Type | Rate | APRC | 10 Years | 15 Years | 20 Years | 25 Years | 30 Years | 35 Years |
|---|---|---|---|---|---|---|---|---|
| Variable | 3.70% | 3.80% | 9.98 | 7.25 | 5.90 | 5.11 | 4.60 | 4.25 |
| 1 Year Fixed | 2.90% | 3.70% | 9.61 | 6.86 | 5.50 | 4.69 | 4.16 | 3.79 |
| 2 Year Fixed | 2.90% | 3.60% | 9.61 | 6.86 | 5.50 | 4.69 | 4.16 | 3.79 |
| 3 Year Fixed | 2.90% | 3.60% | 9.61 | 6.86 | 5.50 | 4.69 | 4.16 | 3.79 |
| 4 Year Fixed | 2.90% | 3.50% | 9.61 | 6.86 | 5.50 | 4.69 | 4.16 | 3.79 |
| 5 Year Fixed | 2.90% | 3.40% | 9.61 | 6.86 | 5.50 | 4.69 | 4.16 | 3.79 |
Existing Owner Occupier mortgage customers may be able to move to the ‘New Business’ Loan to Value (LTV) interest rate where the LTV changes sufficiently throughout the mortgage. There is more information on this option here
For information on the EBS Variable Rate Policy Statement please click here
Top Up Loan Interest Rates
The Fixed and Variable Rates shown below are applicable from 13th November 2019. These rates are available to existing EBS customers only that are applying for a new EBS Top Up Loan.
| Rate Type | Rate | APRC | 5 Years | 7 Years | 10 Years | 15 Years | 20 Years | 25 Years |
|---|---|---|---|---|---|---|---|---|
| Variable | 3.70% | 3.80% | 18.28 | 13.53 | 9.98 | 7.25 | 5.90 | 5.11 |
| 1 Year Fixed | 2.90% | 3.70% | 17.92 | 13.17 | 9.61 | 6.86 | 5.50 | 4.69 |
| 2 Year Fixed | 2.90% | 3.60% | 17.92 | 13.17 | 9.61 | 6.86 | 5.50 | 4.69 |
| 3 Year Fixed | 2.90% | 3.60% | 17.92 | 13.17 | 9.61 | 6.86 | 5.50 | 4.69 |
| 4 Year Fixed | 2.90% | 3.50% | 17.92 | 13.17 | 9.61 | 6.86 | 5.50 | 4.69 |
| 5 Year Fixed | 2.90% | 3.40% | 17.92 | 13.17 | 9.61 | 6.86 | 5.50 | 4.69 |
Buy to Let Interest Rates
The Fixed and Variable Rates shown below are applicable from 1st June 2013. These rates are available to existing EBS customers only.
| Rate % | APR% over 20 years | 15 Years | 20 Years | 25 Years | 30 Years | 35 Years |
|---|---|---|---|---|---|---|
| 5.08% | 5.3% | 7.95% | 6.64% | 5.89% | 5.42% | 5.10% |
| Term | Rate | APR% over 20 years | 15 Years | 20 Years | 25 Years | 30 Years | 35 Years |
|---|---|---|---|---|---|---|---|
| 3 Years | 5.40% | 5.3% | 8.12% | 6.82% | 6.08% | 5.62% | 5.30% |
| 5 Years | 5.90% | 5.6% | 8.38% | 7.11% | 6.38% | 5.93% | 5.63% |
I’m a Tracker Rate Mortgage Holder
- If you avail of a fixed rate, our tracker rate commitment to you is deemed to be at an end and the lender’s prevailing variable rate will apply on expiry of this fixed term. Just so you’re in the know, if you avail of a fixed rate, you will lose the ability to avail of a Tracker Rate Mortgage in the future.
- If you wish to convert your mortgage to a fixed rate and you are on a tracker rate, you will need to contact your local EBS office to get an additional ‘Tracker to Fixed Conversion Declaration’. This can then be completed and submitted together with the ‘Existing Business Fixed Rate Conversion Form’.
- Take note, if the tracker to Fixed Conversion Declaration is not completed, your request to convert your mortgage account to an existing business fixed rate will not be processed.
A Final Note on Interest Rate Conversion
- If there is a change in interest rates before EBS have converted the loan rate, EBS will apply the fixed rate available at the time that the Conversion Form is received in EBS Registered Office.
- As advised above, for mortgage holders switching from a Tracker Rate Mortgage, the fixed rate applied by EBS will be the fixed rate available when both the completed Conversion Form and Tracker Declaration Form are received in EBS Chief Office. If there is no other fixed rate available, the applicable prevailing variable rate will apply EBS cannot inform customers individually of changes in interest rates prior to converting their loan account.
Fixed or Variable?
- You will be well acquainted with fixed or variable rates already, which you pay on your mortgage. But there could be many things that have changed since you last made the decision. Our Mortgage Masters will be happy to guide you through the best option for you.
- You can see a full listing of our current rates here.
- And if you still can’t choose? Well, you don’t have to. You can have your cake and eat it too. For customers who are unsure of what type of rate to select, EBS provide the option of splitting the loan amount in two, so you can avail of both the variable interest rate on a portion of the loan and a fixed interest rate on the remaining portion of the loan.
- If you take a Mortgage with a fixed rate of at least one year and decide to repay whole, or part early, if you convert to a variable interest rate, or, if you change to another fixed interest rate you may incur an early breakage cost payable to EBS d.a.c.