Make budgeting easier with repayments that stay the same for an agreed period of time
More control
Give yourself security and peace of mind of knowing in advance what your monthly repayment will be until the end of your chosen term.

Flexible Tracker Mortgages
Flexible Tracker Mortgages offer a guaranteed margin above the base interest rate set by the European Central Bank (ECB).

Flexible Tracker Mortgage with ufirst discount
Avail of a Tracker mortgage with a reduced rate plus a valuation fee refund

First Time Buyer Mortgage
Step onto the property ladder with a First Time Buyer mortgage
Most Banks now makes it easier for you to step onto the property ladder.

Switcher Mortgages
Swich your mortgage from one financial institution to another…

Top-up Mortgages
Use the increased value of your home to release money you can spend now.
Release the equity in your home to pay necessities or luxuries: things you need now, or things you’ve always wanted:

extend or renovate your home
buy a second property
refinance short-term debt
pay educational expenses
take a once-in-a-lifetime holiday
pay for private medical expenses.

Convenient and cheap borrowing
Topping up your existing mortgage with any Bank, is a convenient way to borrow. It’s also economical – the interest you pay is based on current mortgage rates.

Investment Mortgages
The Investment Mortgage tracks the ECB rate which means the margin is guaranteed for the life of the loan. It is a variable rate of interest with a fixed margin. The interest rate you pay depends on the amount you wish to borrow and the value of your home (loan to value).

Home Run Mortgage – Affordable Housing
If you are buying a house in a Local Authority Affordable Housing Scheme and need a mortgage that is tailored to suit your needs, then look no further. Most Banks offers an affordable housing product called ‘Home Run’ which offers you a head start in your first steps on the property ladder.

The ‘Home Run’ mortgage offers you:

A wide range of fixed and flexible rates.
100% Finance based on the purchase price.
Maximum Loan amount of €250,000 to €500,000.
Maximum term of up to 20-40 years.
Flexible repayment options on Tracker products including lump sum payments and additional payments.
How to avail of the ‘Home Run’ mortgage
If you would like to apply for a ‘Home Run’ mortgage you must be allocated with a property by your Local Authority before applying for the mortgage. You must also have been issued with a ‘Confirmation to Lender’ certificate from the Local Authority.

Professional Mortgages
95% finance for fully qualified professionals
A professional mortgage package is designed to help professionals get a foot on the property ladder.

Applicants must be at least 23 years of age, earning a minimum of €30,000-32,000 and be qualified and practising one of the following professions:

Accountants, Actuaries, Dentists, Doctors, Lawyers, Opticians, Pharmacists, Physiotherapists, Veterinarians

You need to have been in continuous employment for a minimum period of 6 months and should not be on probationary contract.