PDH Rates

Variable Rates New and Existing PDH Customers.

PDH Product
Rate
APR Annuity

Variable LTV <=60%
3.90%
4.0%

Variable LTV 61%-80%
4.20%
4.3%

Variable LTV >80%
4.50%
4.6%

 

Fixed Rates New and Existing PDH Customers.

PDH Product
Rate
APR Annuity

1 Year Fixed LTV <=60%
2.90%
3.9%

1 Year Fixed LTV 61%-80%
2.90%
4.2%

1 Year Fixed LTV 81-90%
2.90%
4.4%

2 Year Fixed LTV <=60%
2.90%
3.8%

2 Year Fixed LTV 61%-80%
2.90%
4.0%

2 Year Fixed LTV 81%-90%
2.90%
4.3%

3 Year Fixed LTV <=60%
3.00%
3.7%

3 Year Fixed LTV 61%-80%
3.00%
3.9%

3 Year Fixed LTV 81%-90%
3.00%
4.1%

5 Year Fixed LTV <=60%
3.00%
3.6%

5 Year Fixed HVM* LTV <=60%
2.50%
3.3%

5 Year Fixed LTV 61%-80%
3.00%
3.8%

5 Year Fixed HVM* LTV 61%-80%
2.50%
3.5%

5 Year Fixed LTV 81%-90%
3.00%
3.9%

5 Year Fixed HVM* LTV 81%-90%
2.50%
3.7%

10 Year Fixed LTV <=60%
3.30%
3.5%

10 Year Fixed LTV 61%-80%
3.30%
3.6%

10 Year Fixed LTV >80%
3.50%
3.8%

Green Mortgage Fixed Interest Rate

The Green Mortgage fixed interest rate is a discount (reduction) of 0.20% that we apply to our standard mortgage loan fixed rates. The Green Mortgage fixed interest rate is available to you if you are buying a property that has a Building Energy Rating (BER) of A3 or better or are borrowing to build or up-grade your home so that it has a BER rating of A3 or better, AND you draw down your new mortgage loan between 18 July 2019 and 30 June 2020. Click here for full details and terms and conditions.

* HVM is the High Value Mortgage Fixed Interest Rate
The High Value Mortgage fixed interest rate is a five-year fixed interest rate with no Cashback. The High Value Mortgage fixed interest rate is available to you if you are buying or building a property to live in as your home or are switching your mortgage loan to the Bank of Ireland Group from another mortgage lender outside our Group, AND you are borrowing €400,000 or more, AND you draw down your new mortgage loan between 18 July 2019 and 30 June 2020. Click here for full details and terms and conditions.

Note: APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years. APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority.

LTV = Loan to Value. APRC = Annual Percentage rate of Charge.

Owner Occupier rates

Owner Occupier rates are effective from 18th July 2019 and are subject to change. These rates are provided for information only. At the end of a fixed rate period, customers on a fixed rate can choose from our range of fixed rate options or roll to the LTV Variable rate applicable at that time. Customers on a variable rate can choose from our range of fixed rates. To avail of a lower LTV fixed rate a property valuation report may be required.

Warning: If you do not keep up your repayments you may lose your home.
Warning: The cost of your monthly repayments may increase.
Warning: You may have to pay charges if you pay off a fixed–rate loan early.
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.

The lender is The Governor and Company of the Bank of Ireland ( Bank of Ireland). Lending criteria and terms and conditions apply. A typical mortgage to buy your home of €100,000 over 20 years with 240 monthly instalments costs €615.79 per month at 4.2% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. The total amount you pay is €148,114.60. 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 for first time buyers). A 1% interest rate rise would increase monthly repayments by €54.02 per month.