Owner Occupier Rates

In this section

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

Please see below rates for new customers.

Loan-to-ValueVariable3 Year Fixed5 Year Fixed
≤60%Rate - 4.10% APRC - 4.25%Rate - 3.85% APRC - 4.17%Rate - 4.15% APRC - 4.27%
≤70%Rate - 4.10% APRC - 4.25%Rate - 3.99% APRC - 4.21%Rate - 4.20% APRC - 4.30%
≤80%Rate - 4.10% APRC - 4.25%Rate - 4.05% APRC - 4.23%Rate - 4.30% APRC - 4.35%
≤90%Rate - 4.10% APRC - 4.25%Rate - 4.10% APRC - 4.25%Rate - 4.30% APRC - 4.35%

Rates are correct as of 01.08.2025
Note fixed rates are not available if you drew down your main mortgage loan before 2019.
Existing customer rates

Important Information

Lending criteria, terms and conditions apply. The property is mortgaged to secure the loan. Life and home insurance are required. The maximum loan amount will typically not exceed 4 times an individual’s gross annual income. The maximum mortgage is 90% of the property value.

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 or contact your local Mortgage Broker. We’d be delighted to do business with you.

Lending criteria, terms and conditions apply and are subject to change.

Warnings

Lending criteria, terms and conditions apply and are subject to change.

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 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, a hire purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

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

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

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

Warning: The cost of your monthly repayments may increase.

Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.

Useful Information

Ready to apply? Start your application today

Ready to apply? Start your application today Image