Compare mortgages

Determining which type of mortgage that is best for you is never easy. We always recommend that you book a meeting with one of our mortgage advisers, but if you want to get a quick overview of your options, use our comparison table to compare mortgages and view the advantages and disadvantages of the various types of mortgage.

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Products	Variable Rate Mortgage	Offset mortgage	LTV Mortgage
	APPLY NOW	APPLY NOW	APPLY NOW
General Description	Mainly to help finance the purchase and / or improvement of a property, or the takeover of an existing property loan from another financial institution.	Mainly to help finance the purchase and / or improvement of a property, or the takeover of an existing property loan from another financial institution.	Mainly to help finance the purchase and / or improvement of a family home, or the takeover of an existing family home loan from another financial institution.
Suitable for Home Loan	Yes	Yes	Yes - Family residence only
Suitable for Home Improvements	Yes	Yes	Yes
Suitable for Equity Release	Yes	Yes	Yes
Suitable for Commercial Property	No	No	No
Interest Type	Variable rate	Variable rate	Fixed Rate Terms of 2, 3 & 5 years or NIB Variable Rate with a discount for a LTV of 60% or less.
Interest Rate	During periods of falling interest rates, monthly repayments will fall. When interest rates rise, monthly repayments will rise.	If your current account is normally in credit or you have money in a savings account, an Offset Mortgage option can put all of your money to work by reducing the interest payable on your home loan.	Looking at the amount of Home loan you require and the value of the property we calculate your Loan to Value (LTV). This LTV will determine what interest rate will apply to your loan.
Apply via	Branch	Branch	Branch
Amount	Minimum €20 000 No Maximum	Minimum €20 000 No Maximum	Minimum €20 000 No Maximum
Term	1 yr to 30 yr, if residential investment maximum 25 years	1 yr to 30 yr, if residential investment maximum 25 years	1 yr to 30 yr
Pre-requisites	Personal customer aged 18 years or more, who have a borrowing need to purchase, improve or refinance a property.	Personal customer aged 18 years or more, who have a borrowing need to purchase, improve or refinance a property.	Personal customer aged 18 years or more, who have a borrowing need to purchase, improve or refinance their home.
Capital and Interest	Yes	Yes	Yes
Interest Only	Yes	Yes	Yes
Lump sum payments and overpayments permitted	Yes	Yes	Yes
Fixed Rate Terms	No	Yes	Yes
More details		Instead of earning interest on your savings, you pay less interest on your mortgage.	To find out more about how this mortgage works check ou our LTV pages (LINK to key information in LTV)

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