Mortgage Guide
Featured Lender : Halifax
We became known as Halifax at the end of 2006 and prior to that our personal banking branches and products were known as Bank of Scotland (Ireland). Bank of Scotland (Ireland) is also a very successful business bank and has operated in Ireland in one form or another for over 70 years.
In 2005 we purchased parts of the ESB retail business, which went on to form the basis of our branch network – the first of which opened in January 2006. Halifax was the first completely new high street bank in Ireland for some 120 years. Since then, Halifax has opened a new branch on average once a month and is nearing the completion of its network. Halifax is one of the most innovative and vibrant retail banks in Ireland and provides personal banking products such as mortgages, loans, savings accounts, credit cards, current account and investment products.
Mortgages in Halifax
First Time Buyer Mortgage
- Exclusive fixed rate options
- Competitive fixed & variable interest rates
- Borrow up to 90% of the value of the property
- Terms from 5 to 40 years
Switching Mortgage
- Move to a better rate and make savings straight away
- Free switching service or €1,000 towards your legal and valuation fees
- Switch up to 90% of the value of your property
- Flexible mortgage terms
Top Up Mortgage
- Release up to 90% equity in your home
- Consolidate your loans and manage your debt
- No Arrangement Fee
Moving home or trading up
- Competitive interest rates
- Borrow up to 90% of the value of the property you're buying
- Consolidate all your other loans into your mortgage
- Terms from 5 to 40 years
Halifax Interest Rates
Mortgage Type |
Rate |
APR |
Cost per €1000 |
|---|---|---|---|
|
VARIABLE <50% LTV
|
4.15
%
|
4.23
% |
6.140
|
|
VARIABLE 50%-80% LTV
|
4.30
%
|
4.39
% |
6.220
|
|
FTB FIXED 1 YEAR
|
4.45
%
|
3.48
% |
6.300
|
|
FTB FIXED 2 YEAR
|
4.45
%
|
3.60
% |
6.300
|
|
FIXED 2 YEAR
|
4.60
%
|
3.63
% |
6.380
|
|
FIXED 3 YEAR
|
5.10
%
|
3.92
% |
6.650
|
|
FIXED 5 YEAR
|
5.55
%
|
4.48
% |
6.910
|
All figures are based on a 20-year loan term. Information prepared in association with Bankhawk.com.
Halifax 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
© Mortgages & Loans Ireland 2008-2009
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