Variable rate mortgage

As the name suggests, the interest rate you pay on a National Irish Bank variable rate home loan may change in line with any fluctuations in general interest rates. When interest rates go down, your monthly repayments do likewise. However when interest rates rise, your monthly repayments will increase too. You can also make lump sum repayments at any time without any penalty.

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During periods of falling interest rates, the monthly repayments on a varible rate loan will fall.

Mortgage Rates
Owner Occupier rates	Rate	APR*
Home Loan Variable rate	3.40%	3.46%
LTV Variable rate loan to value ratio > 60% loan to value ratio < or equal to 60%	3.40% 3.15%	3.46% 3.20%
LTV Fixed rates	LTV Fixed Rates for 2,3 and 5 years are based on individual customer circumstances. Please contact your branch for a specific rate based on your loan to value ratio details.
Offset Mortgage	3.65%	3.71%

Other rates	Rate	APR*
Standard Variable Rate (Annuity & Endownment)**	4.15%	4.23%

* APR is the annual percentage rate
** Includes existing Investment Home Loans and Bridging Loans

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