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Mortgage Interest Rates

Interest rates correct as at 5th June 2013.

In respect of  Fixed rates , APRs may be higher or lower than the nominal rate, as they are calculated on the basis that the loan reverts to the standard variable rate (which may be higher or lower than the fixed rate) following the fixed rate term.

Note: If you chose to convert a loan from a Tracker rate to a Fixed interest rate, at the end of the Fixed rate period, you will only have the option of moving to a Variable rate or choosing a new Fixed rate term. The original Tracker rate will not be available.

For Variable rates the APR is calculated on the basis that the current variable rate will remain unchanged for the full term of the loan.

(Typical APR calculations for all rates are based on the cost per month of a mortgage of EUR 100,000 over 20 years).

 

Owner Occupier Rates
Rate APR over 20 years Cost per EUR'000 over 20 years
LTV Variable >80% 4.49% 4.57% EUR 6.31
LTV Variable > 50%< =80% 4.29% 4.37% EUR 6.21
LTV Variable< =50% 4.09% 4.16% EUR 6.10
Standard Variable (Discontinued) 4.40% 4.48% EUR 6.26
1 Year Fixed (New) 4.09% 4.44% EUR 6.10
1 Year Fixed (Existing) 4.55% 4.50% EUR 6.34
2 Year Fixed 4.75% 4.56% EUR 6.45
3 Year Fixed 4.95% 4.66% EUR 6.56
4 Year Fixed 5.15% 4.79% EUR 6.67
5 Year Fixed 5.35% 4.96% EUR 6.78

 Residential Buy-to-Let Rates
Rate APR over 20 years Cost per EUR'000 over 20 years
Standard Variable 5.35% 5.47% EUR 6.78
1 Year Fixed 5.55% 5.49% EUR 6.89
2 Year Fixed 5.75% 5.56% EUR 7.01
3 Year Fixed 5.95% 5.67% EUR 7.12
4 Year Fixed 6.15% 5.81% EUR 7.23
5 Year Fixed 6.35% 5.99% EUR 7.35

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