Mortgage Guide
Featured Lender : EBS Building Society
We are a mutual building society, established and run on behalf of our members. We remain true to our founding principle of members' mutual support for each other. We do not have to focus on the short-term financial demands of external shareholders so we are in a unique position to focus on our members' needs and on areas of collective interest to all our members unlike other institutions.
This means that as a member of EBS you belong to an organisation that is truly different. Our members are encouraged to participate and contribute to not only their own financial good but also to have a positive impact on the wider community. EBS has a distinct heritage which is at the core of everything we do. While many of our competitors strive to be different, in our case it's already a fact of life. The reason lies in our heritage, our ethos, our culture and our mutual structure. We were born out of a co-operative mutual philosophy and founded on the principles of members' mutual trust for each other. That was true then and it's still true today. This principle is embedded in our way of doing business and makes us stand out from the general run of financial services providers.
In 1935, Alec McCabe and the teachers who founded us had a vision to make access to housing finance available to everyone. In order to do this they set up a Permanent Mutual Building Society. The financial strength of collective membership was used to give individuals, who previously could not get a mortgage, the means to buy their own homes.
EBS Interest Rates
Mortgage Type |
Rate |
APR |
Cost per €1000 |
|---|---|---|---|
|
VARIABLE EXISTING
|
2.63
%
|
2.70
% |
5.360
|
|
1YR FIX NEW
|
2.80
%
|
2.70
% |
5.450
|
|
2YR FIX NEW
|
3.15
%
|
2.80
% |
5.620
|
|
3YR FIX NEW
|
3.65
%
|
3.30
% |
5.880
|
|
5YR FIX NEW
|
4.25
%
|
3.50
% |
6.190
|
|
10 YR FIX NEW
|
5.10
%
|
4.70
% |
6.650
|
|
TIERED VARIABLE<=250K<=50%
|
2.55
%
|
2.60
% |
5.320
|
|
TIERED VARIABLE<=250K>50%<=80%
|
2.60
%
|
2.60
% |
5.350
|
|
TIERED VARIABLE<=250K>80%
|
2.67
%
|
2.70
% |
5.380
|
|
TIERED VARIABLE>250K<=500K<=50%
|
2.45
%
|
2.50
% |
5.270
|
|
TIERED VARIABLE>250K<=500K>50%<=80%
|
2.55
%
|
2.60
% |
5.320
|
|
TIERED VARIABLE>250K<=500K>80%
|
2.65
%
|
2.70
% |
5.370
|
|
TIERED VARIABLE>500K<=50%
|
2.35
%
|
2.40
% |
5.230
|
|
TIERED VARIABLE>500K>50%<=80%
|
2.55
%
|
2.60
% |
5.320
|
|
TIERED VARIABLE>500K>80%
|
2.65
%
|
2.70
% |
5.370
|
All figures are based on a 20-year loan term. Information prepared in association with Bankhawk.com.
EBS Links
Read more about other lenders: AIB Mortgages | IIB Homeloans | Bank of Ireland Mortgages | First Active Mortgages | Permanent TSB Mortgages | EBS Building Society Mortgages | Irish Nationwide Building Society Mortgages | Bank of Scotland Mortgages | ICS Building Society Mortgages | Halifax | National Irish Bank | Ulster Bank
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