EBS Mortgages

Your guide to
building your home

Build your
own sweet
home
We have the tools to help
you bring your dream to life
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build [bild]
verb ] 1. to construct (especially something
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1. to parts (especially
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complex) by assembling and joining
parts or materials: to build a house.

1
For more details, drop into your local EBS, log on to
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Getting
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uilding your own home is one of the biggest
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this Guide to Building your Home to help you in the
your lifestyle.
process.EBS has been helping people finance their purpose
built homes for many years, so we’ve put together
In this Guide we look at some of the things you need
this Pocket Guide to Building your Home to help you
to consider
in the when
process.building your home, from financing
your build with
In this EBSwe
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at some keythings
of the milestones
you
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along the way.
financing your build with EBS to some of the key
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if you’d like to discuss it with us at any stage, do
get in touch.

For more details, drop into your local EBS, log on to

www.ebs.ie or call 1850 654 321.

2 1
Financing
your build
I
f you’re thinking of building your
own home, you will be making lots
of decisions before you even break
ground and even more before you
turn the key in your new front door.
Funding your build will be one of your
key priorities and a good place to
start is at ebs.ie where you can use the
handy on-line calculators to check-out
mortgage affordability and repayments.
The next step is to drop into your local
EBS or call 1850 654 321 to speak to one
of our mortgage experts, who can help
you through the mortgage process.
With an EBS Self-Build Mortgage you’ll
get the perfect combination – flexible
payments tailored to suit your building
schedule and experienced staff who can
guide you through the mortgage process.
Terms and conditions apply. See page 16 or www.ebs.ie for details.
The EBS Self-Build Mortgage also features:
✓ Competitive interest rates including
Variable relative to your Loan to Value
and Fixed;
✓ Dedicated mortgage advisors to help
you every step of the way;
✓ Up to 90% loan to value available for
first time buyer; Up to 80% loan to value
available for non first time buyer;
✓ Repayment terms up to 35 years,
subject to the age of borrowers;
✓ Flexible stage payments,
ensuring finance when you need
it – a maximum of five stages is
recommended;
✓ Interest-only payments available for
12 months or until all funds are drawn
down – whichever is sooner;
✓ You will need to be over 18 and
security will be required before you can
obtain a mortgage;
✓ What you can borrow will also depend
on what you can comfortably afford
to repay monthly, this typically should
not exceed 35% of your disposable
income, however this may vary
according to individual circumstances;
✓ You will require Mortgage Protection
and House Insurance which can be
arranged via EBS or you may purchase
this through another Insurance
company.
3
Ten things you
need to know
...before building your home

Getting your building project finished on budget and

on time is everyone’s dream. Here are some other
things worth knowing before you decide to build
your own home.

Employing the right architect to design and

manage your build will take a lot of the stress
out of the process and may save you money in
the long run. Find an architect through personal
recommendations or at www.riai.ie.

Stage payments
allow for
Applying for money to be
planning permission paid as work is
is laborious and completed and
time consuming, but you are satisfied.
essential. Consult a Whenever any
qualified architect or money is exchanged,
engineer with planning experience always insist on a
in the location of your site before signed receipt.
you apply for the permission. You
should also check your Local Area
Plan, which will give you a good It is essential that trades
indication of what lies ahead for people employed on your
your locality. Don’t even attempt to build have certification and are
start work on site until you receive affiliated to the relevant association.
the grant of permission, as distinct Be wary of employing contractors in an
from the notice of intention to grant ‘unofficial capacity’ as you may be denied
permission. legal recourse if things go wrong.

4
To get an accurate quote, you’ll need to supply
the trades with as much information about your
build as possible including:
• A full set of accurate and
current plans and drawings
• Specification documentation
• Details of any materials you
want/ any you will be providing
• Details of any work you will be
handling or subcontracting
• Details of any preliminaries
(e.g. site clearance, demolition, etc)
Make sure the quote clearly shows the
tradesperson’s name, address and landline
telephone number.
Read all quotes carefully
to make sure the trades
have fully understood
your brief. Don’t forget
to check if the quote
includes VAT, as this will
have an impact on your
final invoice. Always insist on a
revised quote for any additional
work before that work is carried
out. Check, too, if their work is
guaranteed and if guarantees
are insurance-backed. Ask to
see the tradesperson’s public
liability insurance certificate.
Make sure you insure your
site and your build. With an
EBS Self-Build Mortgage
you can get free Course of
Construction Insurance,
so you pay nothing for the
first 12 months while you are
building your property. Details from
your local EBS, phone 1850 654 321 or
check out ebs.ie.
EBS Home Insurance is brought
to you by EBS d.a.c. and is
solely underwritten by Allianz
p.l.c. Standard acceptance
criteria, terms and conditions
apply. Allianz p.l.c. is regulated
by the Central Bank of Ireland.
Think twice before
choosing too low a quote
and be aware of the
difference between an
estimate and a quotation.
A quotation should be a
written exact price for the
job whereas an estimate
is an educated guess.
You should always get a
quote before
you hire. Get
a minimum
of three
quotes and
make sure
that quotes are
based on the
same specification.
When you are building
your own home, you need
to be aware of radon, a
colourless, odourless
and tasteless naturally
occurring radioactive gas,
which is prevalent in some
parts of the country. You should install
a radon barrier and sumps at the time
of construction as this will greatly
reduce the cost and the disruption
associated with remediation. Once
your house is built test for radon over a
minimum three month period to assess
radon levels. The test costs from €40.
When your house is finished you
will need to devise a snag list for
your building contractor or project
manager. Don’t make the final
payment until all jobs have
been finished to your
satisfaction. There should be a
final re-inspection before the
process is signed off. However,
you should not expect to
receive massive discounts
because of your snag list.
5
Budgeting for
the self-build
M
anaging the cost of building
your home is like managing Costing your build
a small business. Your build
costs are influenced by the Site clearance
size, level of specification, Foundation
number of storeys, and the extent to External walls
which you will be personally involved in
the building project. Understanding your
and insulation
costs and managing them prudently is key Roof
to getting the home you want within your Windows and
budget. external doors
Upper floor
COST BREAKDOWN
The figures here are just a guide to help
Stairs
you work out an approximate cost of Internal walls
your project. They show the approximate Internal doors
percentage of the total cost of your new Floor finishes
home, through each stage of the build. Wall finishes
Start by estimating your total
costs and add a further 20
Ceiling finishes
per cent to this figure for Heating
unforeseen costs. Electrical installation
Water installation

{ }
(cold/warm)
Waste & sanitary
Kitchen
Built-in cupboards
Top tip
Professional fees
Check online for an Irish Build Cost
Estimator which allows you to obtain a
detailed list of everything that you will
This information is based on an
need to build the house, right down to
average, detached,
the nails in the skirting board.
two-storey house.

*Source: Build Your Own House

and Home Annual.

6
 Top Tips
1 Be realistic about the
number of window openings
you need. Windows can be one
of the biggest single costs in the
build and are also sources for
heat loss later on.

2 If you want a lot of space

for less, go for a two-storey
house instead of a bungalow,
which has a much larger
foundation and needs more
3% roof coverage and therefore has
9% higher initial site costs.

17% 3 When planning for the roof

and walls, remember that
the more angles and gables
9% you opt for, the more material,
more time and more money you
7% need. To save on these costs,
2% keep it straight and keep it
1% simple.
2.5%
2.5%
4 Heating and waste system
options vary hugely. Don’t
just consider the up-front costs.
4% Check on running costs and
5% long-term maintenance for the
2% most economical system
over all.
6%
4% 5 If you are building on a
sloping site, you must be
prepared to add a few thousand
2% euros to your build for every
7% five degree slope you have to
deal with. Unforeseen ground
5% conditions, overruns, delivery
1% delays or even the loss of a
11% subcontractor can all have a
major impact on your budget.

6 Since better energy

efficiency is an obligation,
more of your budget should
be attributed to insulation,
energy choices and heating
sources. This will pay
dividends as the house ages.

7
Step-by-step
self-build
planner
Keep on track and on time with your new build with
our essential step-by-step schedule

SIX WEEKS BEFORE START DATE be worn’; ‘construction sites are

● Arrange site insurance. If you dangerous areas’; ‘no entry’).
have contracted a builder, they are ● Put in an access road if necessary
responsible for the site and what and a hard stand area (an area to
happens on it. If you are a self- put digger / materials on). Level
builder or using direct labour, you the site and clear it (tree and hedge
are considered the contractor and removal etc).
responsible for site insurances as
well as a number of other elements.
● Submit a commencement notice
to your local authority a minimum of
14 and a maximum of 28 days before
you start.
● Arrange a water supply to your site
by either temporarily connecting to a
neighbour’s supply, drilling your own
well, or connecting to a mains supply
where available. Ensure you are
complying with conditions outlined in
your planning permission.
● Get an electricity supply on site
for lighting and power tools by
contacting your local ESB office (in
remote locations this can take 12
weeks or more and may cost several
thousand euro). Alternatively, hire a
generator. You should also arrange
secure on-site storage and a portable
toilet.
● Fence off the site and/or plant
boundary holding and put in a
lockable gate. Erect public notices
and warnings (i.e. ‘hard hats must

8
 step
01
Setting out site and
house (one day)
● Surveyor/
builder’s engineer
sets out the
site.
● Debris
and top soil
is removed
from site
(top soil may
be put aside
for later use).
Dig the foundations and
trenches for services
(three days)
● If soil needs to be
disposed of cost should be
factored in.
● Reinforce steel placed
in trenches.
●Architect/engineer to
inspect trenches and
steel work.
step
02
Pouring concrete
foundations (one day)
● Ready-mixed build
concrete suppliers will
have been notified,
and sometimes paid
in advance. They will
normally organise the
concrete pumping.
● The precise amount
of concrete needed for
the foundations will be
calculated by the surveyor.
Building the rising walls
(one to two weeks)
● Build blockwork on the
foundations below ground
up to the underside of the
floor slab.
● Backfill excavations
with hard core (big stones)
and binding course (20mm
bed of sand).
● Install radon sump
and outlet pipes
(recommended).
Damp Proof Course (DPC)
radon barrier (one week)
● A radon barrier can cost
around €1,500 and can
double as your DPC.
● As you cannot check for
radon before the house
is built, a radon course is
essential.
● An architect/engineer
will inspect DPC/radon
barrier.
Oversite slab (two days)
● The construction
company will build/pour
the oversite slab.
● An architect/engineer
will inspect.
step
03
First floor structure (three
weeks)
● Build superstructure to
first floor level.
● Build first floor
structure/roof beams (may
require crane on site) and
fix batten clips for ceiling.
● An architect/
engineer will
inspect up
to first
floor
level.
step
04
Build structure to wall
plate (three weeks)
● Build up to wall plate.
● Bricklayer installs and
anchors wall plate.
● An architect/engineer
will inspect up to wall
plate.
step
05
Chimneys and gables
(one week)
● Build gable ends and
build chimney through
roof.
● Carpenter raises
rearend
trusses as templates
for gable-end brickwork
and blockwork.
● Arrange leadwork.
step
06
Roof structure (one week)
● Plumber to install
large tanks in attic before
trusses spaced.
● Carpenter fixes
remaining trusses and
roof structure, places
carcassing for dormer
windows, fascias and
soffits and any other roofs,
like porch or bay window
roof.
● Weathering building,
installation of windows
and external doors.
●Landscaping.
9
 step
07
Finish roof (three weeks)
● Flashings to chimney,
walls, dormers, etc.
● Felt, batten and tile
roof.
● Plumber fi xes guttering
and downpipes; decorator
paints before scaffolding
comes down. Glazing all
windows/doors.
● External renderings
and decorate fascias and
soffits.
step
08
First fix carpentry (three
weeks)
● Internal carpentry for
partition walls, battens
for plasterboard ceiling,
staircase.
● Install cylinders and
tanks in attic.
● Finish external
decoration.
step
09
First fix plumbing and
electrics (two weeks)
● Positions of power
points, switches, lights, TV
points, cooker, security
alarms, white goods,
speaker system, etc. and
complete wiring.
● Allow for central
vacuum system, if
required.
● All piping and ducting
10
for step
radiators,
heated
towel rails,
underfloor
12
Second fix carpentry
heating.
(three weeks)
● Install
● Hang internal doors,
hot and
skirtings, architrave,
cold supply.
bottom tread and
● A preliminary
balustrades to stairs
/blower door test can be
and landing.
beneficial to assess the
● Lay wooden floors,
air tightness of installed
lay stone flooring or
doors/windows.
floor tiles.
step
step
10
13
Connect drains (two
Install kitchen and fitted
weeks)
furniture (two weeks)
● Dig trenches for drains
● Install kitchen and
from house to inspection
fitted furniture.
chamber.
● Backfill drains and step
14
service trenches.
● Connect mains gas and
water and electricity.
● Bricklayer builds
internal fireplaces or
Second fix plumbing and
decorative internal
electrics (two weeks)
brickwork.
● Fit bathroom, plumb in
step white goods in kitchen, fit
radiators.
11 ● Fit all light fittings,
switches and sockets.
● Connect cooker hood,
fit smoke detectors.
Floors/plaster (three
● Commission Certificate
weeks)
of Completion for
● Plasterboard
electrics and gas.
to ceilings
and studded partitions.
● Plaster
all walls and skim all
ceilings and walls.
 step assessor carry out BER
final assessment.

15 ● Carry out
airtightness test

Boiler, insulation and step

18
tiling (two weeks)
● Test boiler and adjust
system programme
thermostats.
● Install roof insulation. Final inspection/moving in
● Fix wall tiles to (two weeks)
bathroom, kitchen and
utility. step
step
19
16 Defects period (six
months)
Decoration (two weeks) ● Allow the systems,
● Thoroughly clean house particularly heating and
and make ready for plumbing, to be tested
decoration. over the period of two
● Prepare surfaces for seasons.
decoration, seal and
undercoat. step

20
● Paint all interior,
ceilings, walls and
woodwork.

step Correct any defects

17
Snagging and externals,
BER assessment (two
weeks)
● Internal repairs/
decoration.
● Carpet fitting.
● Basic landscaping, turf,
paving and seed lawn
areas.
● Have architect/engineer
inspect all items.
● Check steps 11-17
periodically and prepare
snag list at the practical
completion of the project.
● Have SEI registered

11
HOME MORTGAGE GENERAL AND
REGULATORY INFORMATION
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: 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: This new loan may take longer to pay off than your previous loans. This means you
may pay more than if you paid over a shorter term.

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.

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.
(Note: Applies to variable rate loans only)

About Us
We are EBS d.a.c. We provide mortgage loans. If you engage with us through one of our network
offices you are dealing with a Tied Mortgage Agent of EBS. EBS d.a.c. is an authorised agent and
servicer of EBS Mortgage Finance (a wholly-owned subsidiary of EBS d.a.c.).
Our address is The EBS Building, 2 Burlington Road, Dublin 4, D04 WV00.
EBS Mortgage Finance is regulated by the Central Bank of Ireland. EBS d.a.c. is regulated by the
Central Bank of Ireland.

Purpose of the mortgage loan

A mortgage loan from us enables you to purchase a residential property or to secure your
borrowing against a residential property. Our mortgage product is for owner occupiers.

How much can you borrow?

When you ask us to lend you money we will make a decision based on your ability to repay
(including capacity to repay at higher interest rates). When you apply for a loan we will ask
you for information such as your income, expenditure, assets and liabilities. We may ask you for
evidence of this information.
• Maximum loan to value of owner occupier residential properties - 90% of the purchase price
or valuation, whichever is lower, and 80% loan to value on one bed properties.
Lending levels are subject to monthly repayment burden, typically not exceeding c. 35% of
borrower’s disposable income and will vary according to individual circumstances.
Mortgage loan requests are considered on the basis of proof of income, financial status and
demonstrated repayment capacity (including capacity to repay at higher interest rates).
Mortgage loans are not available to people under 18 years.

12
If you do not provide us with the requested documentation, we will not be able to assess your
application and credit cannot be granted.

How long it takes us to deal with your application

Once we receive your application and any other information we ask you to give us as set out
in the mortgage application checklist we will contact you within three business days to say we
have received it.
a) If there is any information missing we will tell you, within three business days;
b) We will let you know our decision on your mortgage application within ten business days
of receiving all the information we need;
c) If we cannot make a decision within ten business days we will tell you why and when we
are likely to make a decision.

Repayment terms
We offer mortgage durations of up to 35 years, subject to your age at the time of application.

Security for the mortgage loan

Mortgage loans are secured by a first legal mortgage/charge over your property. The property
must be within the Republic of Ireland.
Foreign currency mortgage loans
The currency of your loan and repayments will be euro. If the currency of some or all of the
income or assets you intend to use to repay the mortgage loan is not euro, and/or you live in a
European Economic Area (EEA) state that is not in the euro zone, the mortgage loan is a foreign
currency loan.
You should be aware that fluctuations in the relevant currency exchange rates may affect the
value of your outstanding mortgage balance and/or your repayment.
This could mean that you may find it difficult to afford your mortgage repayments.
Our mortgage interest rate options
Your EBS Mortgage Coordinator can tell you exactly what our current interest rates are and
how they translate into monthly repayments. Here is a brief description of the types of interest
rates available:
(i) Variable interest rate
• A variable interest rate can go up and/or down resulting in your monthly repayments rising
and/or falling over the life of your mortgage loan.
• A variable interest rate gives you more flexibility. You can make extra mortgage repayments
or clear your mortgage earlier than agreed without having to pay any penalties.
• You may have the option of switching to a fixed interest rate (if offered by us at that time).
• Our Loan to Value (LTV) variable rate is available to owner occupier mortgage loans. We
have a range of LTV variable rates depending on the amount you are borrowing relative
to the value of your home.
• As your loan to value may decrease over the term of your mortgage, you may be able to
move between LTV rate bands.
• LTV rates are not available to owner occupier customers at the drawdown of a new top up
loan.

13
(ii) Fixed interest rate
• While on a fixed interest rate, the interest rate and mortgage repayment remains the same
for the agreed fixed interest rate period (typically 1 to 5 years). During this time the interest
rate will not change. This gives you budget certainty.
• An early redemption charge is payable in the following cases where the fixed interest rate
period has not expired:
a) if a capital payment or full repayment is made to the Loan, or
b) if the Loan is converted to a variable interest rate, or
c) if the Loan is converted to another fixed interest rate.
• The formula to calculate the early redemption charge is: amount (A) x remaining term in
days divided by 365 (U) x difference in cost of funds (D%)
Definition of terms used in this formula:
(A) amount – The amount being repaid early or the amount being converted to a variable

rate or another fixed rate term.
original cost of funds – The cost of funds for EBS for the fixed rate period at the time the fixed

rate period commenced.
cost of funds for the fixed rate period remaining – Fixed rate period. The cost of funds used

will be as of 5pm the day previous to the request to calculate the early redemption charge.
(U) remaining term in days – Remaining number of days left before the fixed rate is due to

expire, divided by 365.
(D) difference in cost of funds – The difference between the original cost of funds and the

cost of funds for the fixed rate period.
Worked example:
Assume a 5 year fixed rate loan. Full repayment of s100,000 after 3 years (A); remaining term
2 (U); difference in cost of funds 2% (D). The early redemption charge would be as follows:
(A) 100,000 * (U) 2 * (D) 2% = s4,000.
• At the end of a fixed interest rate period, the interest rate on your loan will default to
the standard variable interest rate then offered by EBS at that time unless you choose an
alternative interest rate, if on offer by EBS to you at that time. Our standard variable interest
rate is a variable interest rate. If the interest rate on your loan defaults or otherwise converts
to a variable interest rate then offered by EBS, your interest rate and the amount of your
instalments could increase or decrease during the term of your loan and your interest rate
could be higher than the fixed interest rate that applied during any fixed interest rate period.
(iii) Split interest rate
You may choose to have a portion of your mortgage loan on a fixed interest rate and the
other portion on a variable interest rate. This will enable you to benefit from the advantages
of each interest rate in whatever proportions you choose.
(iv) You or your legal representative can ask us to give you an idea of how your current or
existing mortgage interest rate compares to any other rate we may offer at that time.

14
Flexible features
You can speak to us about the following flexible repayment options that may be available
to you:
• Term extension - You may be able to increase the term of your mortgage loan once
affordability criteria has been met.
• Interest Only – You may be able to apply for interest only repayments for a specified duration
during the term of your mortgage loan.
These options are subject to you meeting the eligibility criteria and terms and conditions and, if
granted, may affect the repayment amount and/or the term of the mortgage loan.

Fees and charges

You will have some expenses to pay in connection with the mortgage loan. Here are some examples
of the expenses that may be payable:
(i) Valuation Report
A valuation of the property must be carried out by a valuer on our panel of valuers prior to loan
approval. This valuation will cost you €150 which will be refunded to you if your loan application
is unsuccessful.
If the valuation of the property is undertaken more than four months before the requested date
of drawdown, a re-valuation will be required which will cost you €65. If the conditions of your
loan require a final valuation following completion of the building of the property, renovations
or repairs to it, this will cost you €65.
(ii) Your own advisors’ fees
You will pay any fees, charges and expenses that you are charged by any of your own advisors
in connection with the mortgage loan.
(iii) Stamp Duty
Stamp duty is payable on your new home. Your solicitor will work out how much stamp duty
you owe.
(iv) Our solicitors’ fees
If the security includes a new mortgage over property that is not your private dwelling place
or holiday home, you will have to pay our solicitors’ fees in connection with the mortgage loan.
(v) Insurance
• For your property
For your own protection as well as ours, it will be a condition in your letter of offer that your
property is adequately insured, at your own cost, for the full re-instatement value (i.e. rebuilding
costs) specified in your valuation report (you can seek this insurance through us or from other
sources). EBS Home Insurance is brought to you by EBS d.a.c. and is solely underwritten by
Allianz p.l.c.
Life assurance
•
If you or your dependants intend to use the property as a principal place of residence, you
must show evidence of mortgage protection insurance, unless you are exempt under the
Consumer Credit Act 1995. These policies are designed to pay off your mortgage in full if
you or your co-borrower die unexpectedly. The correct type of life assurance will depend
on the amount, term and type of borrowing (you can seek this insurance through us or from
other sources).
Life Term Cover is provided by Irish Life Assurance plc. EBS d.a.c. is a tied insurance agent of
Irish Life Assurance plc for life insurance products.

15
Paying the mortgage loan
Your letter of loan offer will detail the number, frequency and amount of your mortgage
repayments.
If you choose a variable interest rate, there is no guarantee that repaying the monthly repayments
detailed in the credit agreement will be sufficient to pay the full amount (including interest)
that you owe us under the credit agreement. This is because the detailed monthly repayments
are only correct as of the date of the credit agreement and variable interest rates can go up
resulting in your monthly repayments rising over the life of your mortgage loan. However, variable
interest rates may also go down resulting in your monthly repayments falling over the life of your
mortgage loan.
If you cancel or make a claim for reimbursement of a direct debit repaying your mortgage
account, and fail to make alternative arrangements for payment, your account will go into arrears.
If you do not repay the mortgage loan when due then you will be in breach of the terms and
conditions of your mortgage and EBS will take the appropriate steps to recover the amount due.
This could mean that EBS will commence legal proceedings seeking an order for possession
against you, which will put your home at risk and affect your credit rating, and limit your ability
to access credit in the future. All of your obligations in connection with the mortgage loan will
be detailed in your credit agreement.

Can I make additional payments and/or repay my mortgage loan early?

If your loan is on a variable rate, you may repay the mortgage loan, in part or in full, at any time
without incurring any additional charges payable to EBS.

A fixed rate mortgage loan may be repaid in full, or in part, subject to an early breakage charge.
The formula to calculate the early breakage charge is detailed above.

What is the total amount I will have to pay?

The following example may give you an indication of the total amount payable at the end of
a typical mortgage.

Owner Occupier Property

A typical €100,000, 20 year mortgage for an Owner Occupier Residential Property with LTV greater
than 80% will have a variable interest rate of 3.7% and APR 3.8%, and 240 monthly repayments
of €590.29. If the APR does not vary during the term of the mortgage, the total cost of credit,
i.e. the total amount repayable less the amount of the loan, would be €41,884.48 (inclusive of
valuation report fees of €215). The total amount repayable would be €141,884.48. The effect of
a 1% increase in interest rates for such a mortgage will add €53.21 to the monthly repayments.

Additional information relating to switching lender or changing mortgage type can be found
on the www.ccpc.ie website.

16
EBS.ie

EBS d.a.c. is an authorised agent and servicer of

EBS Mortgage Finance (a wholly-owned subsidiary of EBS d.a.c.).

EBS d.a.c. is registered in Ireland No. 500748.

EBS Mortgage Finance is registered in Ireland 4637911.
Your guide to EBS d.a.c. and EBS Mortgage Finance has its registered office at
The EBS Building, 2 Burlington Road, Dublin 4, D04 WV00, Ireland.
building your home EBS d.a.c. and EBS Mortgage Finance
are regulated by the Central Bank of Ireland.

MTG329 01.19

The content of this booklet is expressed in broad terms and

is limited to general information purposes only. Readers
should always seek professional advice to address issues
arising in specific contexts and not seek to rely only on the
information in this booklet which does not constitute any
form of advice or recommendation by EBS.