High Value Mortgage Fixed Interest Rate
Are you borrowing €250,000 or more for your homeowner mortgage? If so, you can choose our High Value Mortgage fixed interest rates.
Our High Value fixed interest rates are four, five or seven year fixed rates. Once the initial fixed rate period ends you will be able to choose from our normal interest rate options available to existing customers.
If you get our High Value mortgage fixed rate, you won’t get a cashback offer. You might find that our High Value Mortgage fixed interest rate suits you better than a standard fixed rate with our cashback offer. We’ll help you compare these.
| High Value Mortgage Fixed Interest Rates | BER Exempt | BER G | BER F | BER E | BER D | BER C | BER B | BER A |
|---|---|---|---|---|---|---|---|---|
| 4 Year HVM Fixed | 3.45% | 3.40% | 3.35% | 3.30% | 3.25% | 3.20% | 3.15% | 3.10% |
| 4 Year HVM Fixed APRC4 | 4.0% | 3.9% | 3.9% | 3.9% | 3.9% | 3.9% | 3.8% | 3.8% |
| 5 Year HVM Fixed | 3.75% | 3.70% | 3.65% | 3.60% | 3.55% | 3.50% | 3.45% | 3.40% |
| 5 Year HVM Fixed APRC4 | 4.1% | 4.0% | 4.0% | 4.0% | 4.0% | 3.9% | 3.9% | 3.9% |
| 7 Year HVM Fixed | 3.80% | 3.75% | 3.70% | 3.65% | 3.60% | 3.55% | 3.50% | 3.45% |
| 7 Year HVM Fixed APRC4 | 4.0% | 4.0% | 4.0% | 3.9% | 3.9% | 3.9% | 3.8% | 3.8% |
Here is an example of a €300,000 mortgage loan over 30 years showing how much you would repay if you chose the High Value Fixed interest rate compared with our 5 year fixed rate with 3% cashback1. This is based on a Building Energy Rating of C (BER C).
| 5 Year High Value Fixed Interest Rate | 5 Year Fixed Rate with Cashback | |
|---|---|---|
| Interest rate | 3.50% (APRC 3.9%) for 5 years | 4.00% (APRC 4.2%) for 5 years |
| Your monthly repayment for the first 5 years | €1,345.43 | €1,429.95 |
| Monthly repayment for the remainder of the loan2 | €1,440.35 | €1,452.34 |
| Total amount repayable | €512,831.76 | €521,500.53 |
| 3% Cashback1 which may be paid to you | €0 | €9,000.00 |
| Total repayable (less cashback)3 | €512,831.76 | €512,500.53 |
Important Information in relation to the calculations above:
Cashback is 2% of the mortgage loan paid on drawdown + an additional 1% after 5 years, subject to meeting the conditions of the mortgage. See Cashback PLUS Terms and Conditions.
Both rate options assume that the loan will roll to a standard variable rate of 4.15% (APRC 4.3%) and that this rate will not change for the remainder of the loan term (in practice interest rates can change over time).
The cost difference over the life of the mortgage will vary depending on the amount of the loan, its term (duration) and the interest rates that will apply after the fixed rate period ends.
APRC means Annual Percentage Rate of Charge.
BER means Building Energy Rating.
Ask us about our High Value Mortgage fixed interest rates and what they could mean for you.
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