The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. A typical mortgage to buy your home of EUR100,000 over 20 years with 240 monthly instalments costs EUR615.79 per month at 4.2% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes EUR150 valuation fee and mortgage charge of EUR175 paid to the Property Registration Authority. The total amount you pay is EUR148,114.60. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value up to EUR220,000 for first time buyers). A 1% interest rate rise would increase monthly repayments by EUR54.02 per month. The cost of your monthly repayments may increase if you do not keep up your repayments you may lose your home.