Existing Customer Rates
At ICS Mortgages, we offer a competitive range of fixed and variable rates to our customers.
For Owner Occupier new business rates please click here.
For Buy To Let new business rates please click here.
Existing Mortgage
Existing customers customers can switch to (subject to meeting the criteria below) a 5 year fixed rate of 4.25% or a 3 year fixed rate of 4.10% or variable rates of 4.10%.
If the balance on your mortgage is at least €100,000 and you have 5 years or more remaining until the final payment of your mortgage, you can avail of our new business rates for 5 year fixed rate of 4.25%, a 3 year fixed of 4.10% or variable rates of 4.10%. 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. 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, you can avail of our new business variable rate of 4.10%. 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.
Customers who transferred from Ulster Bank - The current non-tracker variable rate for customers on Ulster Bank Flexible Mortgage Terms and Conditions, who migrated to Dilosk DAC, is 4.30%. Customers on a fixed rate revert to this rate at the end of their fixed term. In the event of a future rate change, you will receive prior notification form us. For any questions about your mortgage or interest rate options, please contact our customer service team on 0818 542 542 or email customerservice@icsmortgages.ie.
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.
Variable rate policy statement
Owner Occupier Existing Customer Rates
| Loan-to-Value | Variable | 3 Year Fixed* | 5 Year Fixed* |
|---|---|---|---|
| ≤60% | Rate - 4.10% APRC - 4.25% | Rate - 4.10% APRC - 4.17% | Rate - 4.25% APRC - 4.27% |
| ≤70% | Rate - 4.10% APRC - 4.25% | Rate - 4.10% APRC - 4.21% | Rate - 4.25% APRC - 4.30% |
| ≤80% | Rate - 4.10% APRC - 4.25% | Rate - 4.10% APRC - 4.23% | Rate - 4.25% APRC - 4.35% |
| ≤90% | Rate - 4.10% APRC - 4.25% | Rate - 4.10% APRC - 4.25% | Rate - 4.25% APRC - 4.35% |
*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 |
Variable Rates for Buy-to-Let Customer
| Variable Rate | APRC | Loan-to-Value (LTV) | |
|---|---|---|---|
| Interest Only | 5.30% | 5.61% | LTV less than or equal to 60% |
| Interest Only | 5.45% | 5.77% | LTV less than or equal to 70% |
| Capital and Interest | 5.30% | 5.61% | LTV less than or equal to 60% |
| Capital and Interest | 5.45% | 5.77% | LTV less than or equal to 70% |
| Flexi-Mortgage* | 6.30% | 5.60% | LTV less than or equal to 60% |
| Flexi-Mortgage* | 5.45% | 5.76% | LTV less than or equal to 70% |
| Legal Fees | €1,050 + VAT and Outlays per property for Individual €1,500 + VAT and Outlays per property for Company/SPV applications | ||
| Application Fee | 0.5% of the loan amount. This is capped at €1,500 for individual Buy-to-Let Investors with no cap for Company/SPV. |
*(1 to 10 year Interest Only option with the remaining term on Capital & Interest up to 35 years)
**For illustration purposes only. Products will roll-over onto the prevailing Capital and Interest rates at the end of the Interest Only period
For details as to how our variable rate is calculated click here.
Variable Rates for Pension (Unit Trust) Buy-to-Let Investors
| Variable Rate | APRC | Loan-to-Value (LTV) | |
|---|---|---|---|
| Capital and Interest | 5.45% | 5.91% | Less than or equal to 50% |
| Legal Fees | €1,500 + VAT and Outlays per property | ||
| Application Fee | 0.5% of loan amount |
Lending Criteria, Terms and Conditions apply and are subject to change.
Rates are correct as at 01.08.2025 but are subject to change.
Dilosk DAC trading as Dilosk and ICS Mortgages is regulated by the Central Bank of Ireland.
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