WARNING - YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.
VARIABLE RATE LOAN: THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.
WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LOAN EARLY
Borrowing is subject to 40% of net income being available to meet capital and interest loan repayments, and is subject to a 2% interest sensitivity test. Other criteria apply. The maximum you can borrow is subject to assessment, including valuation of the property. As of the 6th May 2009, a standard €100,000 LTV variable rate mortgage, with 50% LTV, over 20 years costs €562.31 per month (3.20% APR). The cost of your monthly repayments may increase. A 1 percentage point rise in interest rates will cause them to increase by €51.84 to €614.15.
You must be 18 years of age or over to get a Home Loan. Lending Terms & Conditions apply. Security in the form of a mortgage over your home is required. National Irish Bank subscribes to the European Voluntary Code of Conduct on Pre-Contractual Information for Home Loans (PDF 145kb). A copy of the code can be obtained from any branch of National Irish Bank.
The minimum requirement to avail of our LTV pricing is the current account within the Easy package. All elements of the Easy current account are optional and, if you wish, you can choose to use your Easy current account solely as an account for servicing your loan repayments. You are not required to transfer your banking business or mandate your salary to your Easy current account.

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