Owner Occupier Rates

Loan-to-Value

Variable

3 Year Fixed

5 Year Fixed

≤60%

Rate - 3.70% 
APRC - 3.83%

Rate - 3.75%
APRC - 3.85%

Rate - 3.90%
APRC - 3.93%

≤70%

Rate - 3.70% 
APRC - 3.83%

Rate - 3.80%
APRC - 3.86%

Rate - 3.95%
APRC - 3.96%

≤80%

Rate - 3.95% 
APRC - 4.09%

Rate - 3.95%
APRC - 4.09%

Rate - 4.10%
APRC - 4.17%

≤90%

Rate - 3.95% 
APRC - 4.09%

Rate - 4.05%
APRC - 4.13%

Rate - 4.19%
APRC - 4.21%

Fees & Charges

Standard Fees and Charges Applied

Unpaid Direct Debit

€12

Interest surcharge (arrears)

– Subject to the provision of Chapter 3 of the Central Bank of Ireland’s Code of Conduct on Mortgage Arrears.

0.4% per month

Legal Fees and Charges Applied

Accountable Trust Receipt

– This fee is charged when a Solicitor requests the Title Deeds on behalf of our customers. The fee is not applicable where our customers are seeking additional funds on the same security.

€63

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 26.09.2022 but are subject to change.

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

For more information contact ICS Mortgages

PHONE: 0818 427 427

EMAIL: icsdirect@dilosk.com