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Home loan rates
The following new business mortgage rates apply with effect from 1st February 2010. Where an offer has already issued at a fixed rate, the loan will automatically payout at the new rate, unless a booking fee has been paid and confirmation issued by the Home loans Department
Home loans (Annuity)
Product |
Rate |
Cost Per Thousand |
APR* |
|||
|
|
15yrs |
20yrs |
25yrs |
30yrs |
|
| Variable | 2.74% | 6.78 | 5.42 | 4.61 | 4.08 | 2.77% |
| 2 yr Fixed (FTB Only) | 2.74% | 6.78 | 5.42 | 4.61 | 4.08 | 2.77% |
| 2 Yr Fixed | 2.99% | 6.90 | 5.54 | 4.74 | 4.21 | 2.83% |
| 3 Yr Fixed <=70% LTV | 3.15% | 6.98 | 5.62 | 4.82 | 4.30 | 2.90% |
| 3 Yr Fixed > 70% LTV | 3.50% | 7.15 | 5.80 | 5.01 | 4.49 | 3.00% |
| 5 Yr Fixed | 4.75% | 7.78 | 6.46 | 5.70 | 5.22 | 3.76% |
*** The maximum LTV available for the purchase of a Principal Private Residence is now 90% on houses and 85% on apartments. This includes First Time Buyers.
*** The maximum LTV available for Residential Investment Properties is now 75%.
*** If a valuation report is older than 6 months, a new, up-to-date valuation report is required on the INBS template. Drive-by valuation reports will not be accepted.
Residential Investment Loans (Annuity)
Product |
Rate |
Cost Per Thousand |
APR* |
|
|
|
15yrs |
20yrs |
|
| Variable | 4.99% | 7.90 | 6.59 | 5.10% |
| 2 Year Fixed | 4.49% | 7.64 | 6.32 | 4.99% |
| 3 Year Fixed | 4.99% | 7.90 | 6.59 | 5.10% |
| 5 Year Fixed | 5.10% | 7.96 | 6.65 | 5.16% |
* APR is based on a loan of €100,000 over a 20 year term.
EXISTING BUSINESS RATES
The following existing business mortgage rates will apply from the 1st February 2010.
Product |
Rate |
Cost Per Thousand |
APR* |
|||
|
|
15yrs |
20yrs |
25yrs |
30yrs |
|
| Variable | 2.74% | 6.78 | 5.42 | 4.61 | 4.08 | 2.77% |
| 2 Yr Fixed | 3.49% | 7.14 | 5.79 | 5.00 | 4.48 | 2.93% |
| 3 Yr Fixed | 3.99% | 7.39 | 6.05 | 5.27 | 4.77 | 3.16% |
| 5 Yr Fixed | 4.99% | 7.90 | 6.59 | 5.84 | 5.36 | 3.88% |
* APR is based on a loan of €100,000 over a 20 year term.
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