Minimum age for applicants: 18 years.
Minimum loan amount: €250,000.

Document issuing

A fee charged when you request your mortgage provider to supply additional copies of your mortgage contract or statement of interest.

Early repayment

This fee only applies to fixed rate mortgages. This is a charge incurred when you make a payment towards the balance of your mortgage. This is sometimes referred to as a breakage charge.

Vacate fee

A fee charged at the end of a mortgage when you’ve paid the balance in full to release the deeds to your property and remove the lender's claim on them.

Late payment fee

If you do not pay us a repayment instalment or other sum of money by the date you are due to pay it, we may charge you a default interest rate of 0.5% per month or part of a month (which is 6% per year) on the unpaid sum. This default interest is added to normal interest.

Other fees

Security Perfection Fee for Equity Release: €600. This fee covers the Bank’s legal expenses where the Bank agrees to handle an Equity Release loan without the need for a customer to engage his/her own solicitor

Rates quoted are accurate as of today’s date and are subject to change. The actual rate applying at the date you are approved for a mortgage may differ from the rate quoted.

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 IN THE FUTURE.

WARNING: IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME.

WARNING: THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE.

Bank of Ireland 5 Year HVM BER C