Lifestyle A-Z: Bank of Ireland

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Bank of Ireland’s Premier Property Service - a banking service that goes beyond the expected!

Bank of Ireland’s Premier Property Service provides independent impartial advice to help you find a new home if you’re looking for a higher value property in the Dublin area. One of our professional property experts can take the pressure off your property search by taking on a lot of the legwork on your behalf.

The Premier Property Service comprises a 1:1 consultation with a Property Specialist with regular follow up. It includes expert in-depth property market information, advance information on select properties even before they hit the market, an overview of recent higher value property transactions and help with property research.

The Premier Property Service is only available to Bank of Ireland Premier customers with House Hunter Mortgage Approval. Principal Dwelling mortgage values should be greater than €500,000.

Cashback PLUS: 2% of your mortgage back as cash, and an extra 1% in 5 years

Draw down your new mortgage with Bank of Ireland by 30th June 2018 and we’ll give you 2% of your mortgage back in cash. And if you have a Bank of Ireland current account, as a special ‘thank you’you could also get Cashback PLUS - 2% of your new mortgage back in cash up front, plus an additional 1% of your mortgage back in cash in five years’ time (subject to meeting the conditions of the mortgage).

Cashback PLUS is exclusively for Bank of Ireland current account customers who are buying a home (First Time Buyers or Movers) or who switch their mortgage to Bank of Ireland. Cashback PLUS is available with our full range of fixed and variable owner occupier mortgage rates. Terms and Conditions apply.

Just starting to plan? We'll top up your savings by €2,000

  • At Bank of Ireland we understand the challenges facing First Time Buyers in saving to buy a home. We want to help, with a top-up of €2,000 on your savings when you draw down your Bank of Ireland mortgage.
  • To qualify, save at least €5,000 in a MortgageSaver account, including savings of between €200 and €2,500 per month for at least 6 consecutive months, and draw down a Bank of Ireland First Time Buyer mortgage within 30 months of opening your MortgageSaver account. (Terms and conditions apply.)

Other reasons to choose Bank of Ireland for your mortgage?

  • You can choose from our range of competitive interest rates
  • Our twin rate option - part fixed / part variable - combines certainty with flexibility
  • Our flexible repayment options include payment breaks, skip a month or two every year and overpayments that will save you interest (terms and conditions apply)
  • We have ‘House Hunter’ approval in principle which is approval for a mortgage amount even before you’ve chosen a suitable property
  • Our approvals last up to 12 months – based on Approval in Principle (which generally lasts 6 months) followed by a Mortgage Loan Offer Letter (which generally allows 6 months from the date of the Mortgage Loan Offer Letter for the mortgage to be borrowed).

What to do now?

  • Check out our mortgage calculators on www.bankofireland.com/mortgages to see how much you could borrow
  • Make an appointment with a mortgage specialist in your local Bank of Ireland branch
  • Call 1890 365 345 – our Mortgage sales team is available 8 to 8 and 10 to 2 on Saturdays
  • We have Mobile Mortgage Managers who can meet you anytime, anywhere – even at weekends
  • Contact us today via Skype or Facetime

Bank of Ireland Mortgage Bank trading as Bank of Ireland Mortgages and The Mortgage Store is regulated by the Central Bank of Ireland. Bank of Ireland is regulated by the Central Bank of Ireland.

The Chartered Accountants Member Benefits Mortgage Offer is available in the Republic of Ireland only and may be withdrawn at any time. Cashback is not available through Mortgagestore.ie.

The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. A typical mortgage to buy your home of €100,000 over 20 years with 240 monthly instalments costs €615.79 per month at 4.2% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority.  The total amount you pay is €148,114.60. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value up to €220,000 for first time buyers). A 1% interest rate rise would increase monthly repayments by €54.02 per month. Flexible repayment options are subject to criteria. Subject to terms and conditions.  

The MortgageSaver Bonus is subject to DIRT at the prevailing rate. Bonus available to First Time Buyers who draw down a Bank of Ireland Mortgage within 30 months of account opening. Paid after drawdown. See bankofireland.com/mortgagesaver for details. MortgageSaver provided by Bank of Ireland.

NOTE:


Vendor Information

For more information on our Premier Banking services please call us on 1890 365 121. Terms & Conditions apply.

Chartered Accountants Ireland members are advised to obtain competitive quotes on all products and services.

Have a query?

If you have a query, please refer to our Support & Services page and contact the relevant department with your query.

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