Existing Customer Rates

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

Existing Mortgage

Existing customers can switch to new business variable rates or (subject to meeting the criteria below), a 3 year fixed rate of between 4.75% and 4.95%:

  • If the balance on your mortgage is at least €100,000, you have 5 years or more remaining and you drew down your main mortgage loan during or after 2019, you can avail of our new business variable rates or a 3 year fixed rate of between 4.75% and 4.95%. Please note that if you are currently on a fixed rate, you may be charged an early repayment charge if you change rates before your fixed term has ended. For details as to how our fixed rate early repayment charge is calculated click here.
  • If the balance on your mortgage is below €100,000 or you have less than 5 years remaining or you drew down your main mortgage loan before 2019, 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 an early repayment charge if you change rates before your fixed term has ended. For details as to how our fixed rate early repayment charge is calculated click here.

Note: If you have a fixed interest rate loan and at any point before expiry of the fixed rate term, you are considering (i) repaying more than the 12-month period over payment allowance (ii) repaying your mortgage loan in full or (iii) switching your Loan to a variable interest rate or other fixed interest rate, please speak to our customer service team on 0818 542 542 as the following may apply to you.

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 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 Existing Customer Rates

Loan-to-Value

Variable

3 Year Fixed*

≤60%

Rate - 4.70%
APRC - 4.88%

Rate - 4.75%
APRC - 4.90%

≤70%

Rate - 4.70%
APRC - 4.88%

Rate - 4.80%
APRC - 4.92%

≤80%

Rate - 4.95%
APRC - 5.15%

Rate - 4.95%
APRC - 5.15%

≤90%

Rate - 4.95%
APRC - 5.15%

Rate - 5.05%
APRC - 5.18%

*subject to criteria outlined above

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 28.10.2022 but are subject to change.

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