Existing Customer Rates

At ICS Mortgages, we offer a competitive range of fixed and variable rates to our customers.

Existing Mortgage

If you are an existing customer, you can opt to change to a new fixed or variable rate if you prefer. This will depend on the balance of your mortgage and the number of years left on it.

If the balance on your mortgage is at least €100,000 and you have 5 years or more remaining, you can avail of our new business variable or fixed rates. Please note that if you are currently on a fixed rate, you may be charged a break fee if you change rates before your fixed term has ended. For details as to how our fixed rate breakage fee is calculated click here.

If the balance on your mortgage is below €100,000 or you have less than 5 years remaining, you can avail of our new business variable rates. Again, please note that if you are currently on a fixed rate, you may be charged a break fee if you change rates before your fixed term has ended.

If you are also looking to change your LTV bracket, -a new valuation will be required for your property.

Top Up Mortgage

If you are looking to take out a Top Up mortgage of at least €100,000 and with a term of more than 5 years, you can avail of our new business variable and fixed rates. If the amount is less than €100,000 or will have a term of less than 5 years remaining, you can avail of our new business variable rates.

If you would like your mortgage interest rate to be reviewed or have any questions on your existing mortgage, please contact our customer service desk on 0818 542 542 or email us at customerservice@icsmortgages.ie and the team will advise of the qualifying criteria and approval process.

For details as to how our variable rate is calculated click here.

Owner Occupier Rates

Loan-to-Value

Variable

3 Year Fixed

5 Year Fixed

≤60%

Rate - 2.45%
APRC - 2.53%

Rate - 1.95%
APRC - 2.38%

Rate - 1.95%
APRC - 2.29%

≤70%

Rate - 2.45%
APRC - 2.53%

Rate - 2.10%
APRC - 2.42%

Rate - 2.10%
APRC - 2.36%

≤80%

Rate - 2.70%
APRC - 2.79%

Rate - 2.20%
APRC - 2.63%

Rate - 2.20%
APRC - 2.55%

≤90%

Rate - 2.70%
APRC - 2.79%

Rate - 2.35%
APRC - 2.68%

Rate - 2.50%
APRC - 2.69%

Fees & Charges

Third Party Fees and Charges Applied

Third Party Fees and Charges

There may be other charges associated with your mortgage payable directly by you to third parties, e.g. Solicitor Fees, Valuation Fees, Surveyor Fees.

Valuation Fee

€185

WARNING: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it. The payment rates on this housing loan may be adjusted by the lender from time to time.

WARNING: If you do not keep up your repayments you may lose your home.

WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future.

WARNING: The cost of your monthly repayments may increase.

WARNING: You may have to pay charges if you pay off a fixed rate loan early.

WARNING: This new loan may take longer to pay off than your previous loan. This means that you may pay more than if you paid over a shorter term.

Lending Criteria, Terms and Conditions apply and are subject to change.

Rates are correct as at 09.08.2021 but are subject to change.

Dilosk DAC trading as Dilosk and ICS Mortgages is regulated by the Central Bank of Ireland.