— A GUIDE TO OUR —
Mortgage Interest Rates
Home loan interest rates
The fixed and variable rates shown below are applicable from 13th May 2025.
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 Advisor; 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.
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.
Cost per €'000
| Term | Rate | APRC | 10 Years | 15 Years | 20 Years | 25 Years | 30 Years | 35 Years |
|---|---|---|---|---|---|---|---|---|
| 1 Year Fixed | 4.05% | 4.3% | €10.15 | €7.42 | €6.09 | €5.31 | €4.80 | €4.46 |
| 2 Year Fixed | 4.40% | 4.3% | €10.32 | €7.60 | €6.27 | €5.50 | €5.01 | €4.67 |
| 3 Year Fixed | 4.50% | 4.4% | €10.36 | €7.65 | €6.33 | €5.56 | €5.07 | €4.73 |
| EBS Green 4 Year Fixed | 3.55% | 4.0% | €9.91 | €7.17 | €5.83 | €5.03 | €4.52 | €4.16 |
| 5 Year Fixed | 4.60% | 4.5% | €10.41 | €7.70 | €6.38 | €5.62 | €5.13 | €4.79 |
New Business Variable Rates
A variable rate can go up and down. Have a look at EBS’ new home loan variable rates below.
EBS Variable Rate Policy Statement (PDF, 4 pages, 453KB).
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. More information on the LTV option.
Cost per €'000
*Loan to Value
| LTV* | Rate | APRC | 10 Years | 15 Years | 20 Years | 25 Years | 30 Years | 35 Years |
|---|---|---|---|---|---|---|---|---|
| <=50% | 3.75% | 3.9% | €10.01 | €7.27 | €5.93 | €5.14 | €4.63 | €4.28 |
| >50% - <=80% | 3.95% | 4.1% | €10.10 | €7.37 | €6.03 | €5.25 | €4.75 | €4.40 |
| >80% | 4.15% | 4.3% | €10.20 | €7.47 | €6.14 | €5.36 | €4.86 | €4.52 |
Existing Business Interest Rates
Cost per €'000
| Rate Type | Rate | APRC | 10 Years | 15 Years | 20 Years | 25 Years | 30 Years | 35 Years |
|---|---|---|---|---|---|---|---|---|
| Variable | 4.15% | 4.3% | €10.20 | €7.47 | €6.14 | €5.36 | €4.86 | €4.52 |
| 1 Year Fixed | 4.05% | 4.3% | €10.15 | €7.42 | €6.09 | €5.31 | €4.80 | €4.46 |
| 2 Year Fixed | 4.40% | 4.3% | €10.32 | €7.60 | €6.27 | €5.50 | €5.01 | €4.67 |
| 3 Year Fixed | 4.50% | 4.4% | €10.36 | €7.65 | €6.33 | €5.56 | €5.07 | €4.73 |
| EBS Green 4 Year Fixed | 3.55% | 4.0% | €9.91 | €7.17 | €5.83 | €5.03 | €4.52 | €4.16 |
| 5 Year Fixed | 4.60% | 4.5% | €10.41 | €7.70 | €6.38 | €5.62 | €5.13 | €4.79 |
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. More information on the LTV option.
Top Up Loan Interest Rates
The Fixed and Variable Rates shown below are applicable from 13th May 2025. These rates are available to existing EBS customers only that are applying for a new EBS Top Up Loan.
Cost per €'000
| Rate Type | Rate | APRC | 5 Years | 7 Years | 10 Years | 15 Years | 20 Years | 25 Years |
|---|---|---|---|---|---|---|---|---|
| Variable | 4.15% | 4.3% | €18.48 | €13.74 | €10.20 | €7.47 | €6.14 | €5.36 |
| 1 Year Fixed | 4.05% | 4.3% | €10.15 | €7.42 | €6.09 | €5.31 | €4.80 | €4.46 |
| 2 Year Fixed | 4.40% | 4.3% | €10.32 | €7.60 | €6.27 | €5.50 | €5.01 | €4.67 |
| 3 Year Fixed | 4.50% | 4.4% | €10.36 | €7.65 | €6.33 | €5.56 | €5.07 | €4.73 |
| EBS Green 4 Year Fixed | 3.55% | 4.0% | €9.91 | €7.17 | €5.83 | €5.03 | €4.52 | €4.16 |
| 5 Year Fixed | 4.60% | 4.5% | €10.41 | €7.70 | €6.38 | €5.62 | €5.13 | €4.79 |
Buy to Let Interest Rates
The Fixed and Variable Rates shown below are applicable from 18th May 2023. These rates are available to existing EBS customers only.
Buy to Let - Standard Variable Rate
Cost per €'000
| Rate % | APR% over 20 years | 15 Years | 20 Years | 25 Years |
|---|---|---|---|---|
| 5.43% | 5.6% | €8.13 | €6.84 | €6.10 |
Buy to Let - Fixed Rates
Cost per €'000
| Term | Rate | APR% over 20 years | 15 Years | 20 Years | 25 Years |
|---|---|---|---|---|---|
| 3 Years | 7.15% | 6.00% | €9.07 | €7.84 | €7.16 |
| 5 Years | 7.55% | 6.60% | €9.30 | €8.09 | €7.42 |
— FAQ —
Got some questions?
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 Converison Declaration’. This can then be completed and submitted together with the ‘Home Loan Tracker 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.
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.
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.
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.
If you are worried about your mortgage repayments, or if you have already missed repayments, you can speak to us by calling 0818 330 044.
Alternatively, you can visit: Worried about Payments
You can also get help from MABS
Money Advice and Budgeting Service
MABS provides free, confidential and independent advice to people in debt or at risk of getting into debt. For more information visit mabs.ie. You can also call the MABS National Helpline on 0818 072 000, Monday to Friday, 9:00 to 20:00.
Regulatory Information
- 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.