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.

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 12th January 2009, a standard €100,000 variable rate mortgage over 20 years costs €614.09 per month (4.23% APR). The cost of your monthly repayments may increase. A 1 percentage point rise in interest rates will cause them to increase by €54.41 to €668.50.

Security in the form of a mortgage over your home is required for a National Irish Bank Home Loan.

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 also be obtained from any branch of National Irish Bank.

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