Important Regulatory Notices
This is a summary statement of our policy for setting mortgage variable interests rates.
The Central Credit Register (CCR) was established by the Central Bank of Ireland under the Credit Reporting Act 2013. The CCR is a national database that will collect and store personal and credit information received from lenders for loans €500 or more. It will provide:
This tariff provides details of the fees and charges that apply to your Finance Ireland mortgage loan (the ‘Loan’) and should be read in conjunction with the offer letter issued to you (the ‘Offer Letter’) and the Finance Ireland General Loan Conditions (the ‘Loan Conditions’), which provide information about your Loan, and the interest rates and fees and charges that may apply.
| Charge | Amount | Frequency |
|---|---|---|
| Arrangement fee (Buy to let loans) | €500 | Per mortgage loan |
| Third party authorisation letter | €13.00 | Per request |
| Statement on request | €6.00 | Per request |
| Alteration to mortgage terms | €70.00 | Per alteration |
| Direct debit alteration | €13.00 | Per alteration |
| Copy of document | €6.35 | Per document |
| Unpaid instalment | €12.00 | Per unpaid instalment |
| Reminder letter on unpaid fees | €10.00 | Per letter |
| Call out fee (inclusive of all relevant third party charges) | €70.00 | Per call out |
| Tracing fee (inclusive of all relevant third party charges) | €80.00 | Per request |
| Scheduling fee | €38.00 | Per request |
| Mortgage deed sealing fee | €38.00 | Per request |
You may have to pay third party costs and fees which are incurred by Finance Ireland in the instruction of third parties and are directly payable by you in relation to your loan and the mortgage.
| Valuation fee | €150 – €300 plus VAT |
| Structural survey fee (if required) | €500.00 – €1,000.00 (dependent upon degree of inspection required) |
| Legal fees* (Buy to Let only) | €1,550.00 inclusive of outlays * This fee relates to the Finance Ireland legal costs in relation to the security over the property/properties to be secured. It does not relate to any cost incurred by Finance Ireland in respect of, arising from or in connection with, the legal investigation of title to that property/those properties. |
| Buildings insurance lapsed fee | €81.00 per €100,000.00 outstanding on the loan, (payable per annum). Example: Balance Outstanding on loan of €250,000, €81.00 x 2.5 = €202.50 payable per annum |
Please note in accordance with the Consumer Protection Code 2025, Finance Ireland will impose any charges and/or surcharge interest on arrears arising on a mortgage account that is in arrears. Further details in relation to arrears are set out in the Offer Letter and the Loan Conditions.
Please note that additional costs and fees may be incurred if you choose to repay your loan early. Information on early repayment costs and fees and when they might apply can be found on the Offer Letter and the Loan Conditions.
A typical mortgage of €100,000 over 20 years with 240 monthly instalments costs €784 per month at 7.15% variable (Annual Percentage Rate of Charge (APRC) 7.42%). The total amount you pay is €188,498.76. A 1% interest rate rise would increase monthly repayments by €62 to €846 per month. Rates correct at 11/06/2024.
Maximum loan is generally 4 times gross annual income for first time buyers and 3.5 times gross annual income for movers and switchers. Maximum loan is 90% of the property value for first time buyers and movers and 80% of the property value for switchers. You mortgage your home to secure the loan. We require property and life assurance. Lending terms and conditions apply.
A typical buy-to-let mortgage of €100,000 over 20 years with 240 monthly instalments costs €818 per month at 7.70% variable (Annual Percentage Rate of Charge (APRC) 8.30%). The APRC is inclusive of, but not limited to, an Arrangement Fee of €500 and Finance Ireland legal fees of €1550. The total amount you pay is €198,796.33. A 1% interest rate rise would increase monthly repayments by €63 to €881 per month. Rates correct at 11/06/2024. Maximum loan is 70% of the property value. You mortgage the property to secure the loan. We require property insurance. Lending terms and conditions apply.
