Step 5
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Lending criteria, terms and conditions apply. Applicants must be over 18 and resident in the Republic of Ireland. Mortgage approval is subject to a satisfactory assessment of suitability and affordability. For Green rates the property must have a certified Building Energy Rating (BER) between A1 and B3. If the validity date on your BER certificate is after 24th May 2026, your property will need to have a rating of A0, A or B. Your BER certificate must be no more than 10 years old. If you are building a home, a provisional BER certificate will be required prior to first stage drawdown. If you are doing works to improve the energy rating of your home, the Green rate will be applied to your loan once the works are complete and the qualifying BER certificate has been received. Deferred start option not available on Self Build mortgages. The maximum loan amount is typically 3.5 times your gross annual income (or up to 4 times for first-time buyers) and can be no more than 90% of the property’s value. The monthly repayment on a 20-year mortgage with a variable borrowing rate of 3.85% on a mortgage of €100,000 is €598.11 for 240 months. Total amount repayable is €143,545. If interest rates increase to the cap of 4.40%, an additional €29.15 would be payable per month. *APRC stands for Annual Percentage Rate of Charge and is the true cost of a mortgage expressed as a yearly percentage, allowing you to compare between lenders. In this example, an APRC of 3.92% applies and consists of variable borrowing rate of 3.85%. It does not include valuation fees, legal fees, or other third-party charges that may apply.