Mortgages - Good Buy Tables

Brendan Burgess

Founder
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54,801
It's very hard to keep these updated - so do check their accuracy before making a decision.
I have tried to get a balance between keeping it simple and including every deal.
If there is a Good Buy that I have excluded, please let me know.

I have summarised my conclusions here https://www.askaboutmoney.com/threads/best-buy-mortgage-for-a-first-time-buyer.214950/

Fixed rates up to 5 years

Max LTVFixed termRateCash backNotes
KBC60%2 year2.25%€3,000 for switchers onlyCurrent a/c customers
KBC60%3 year2.25%€3,000 for switchers onlyCurrent a/c customers
KBC90%2 year2.3%€3,000 for switchers onlyCurrent a/c customers
KBC90%3 year2.35%€3,000 for switchers onlyCurrent a/c customers
Ulster90%2 year FTB only2.3%€1,5003.5 times LTI
Ulster80%2 years2.3%€1,500
Ulster90%2 years2.45%€1,500Non FTBs
KBC60%5 year2.4%€3,000 for switchers onlyCurrent a/c customers
KBC80%5 year2.45%€3,000 for switchers onlyCurrent a/c customers
KBC90%5 year2.5%€3,000 for switchers onlyCurrent a/c customers
KBC90%1 year2.5%€3,000 for switchers only
F.I.60%3 years2.35%
F.I.60%5 years2.4%
F.I.80%3 years2.4%
F.I.80%5 years2.45%
F.I.90%3 year2.65%
ICS60% 5 years2.4%
ICS60%3 year2.45%
ICS90%3 years2.6%
ICS90%5 years2.6%
Ulster90%4 years FTBs only2.6%€1,500
Ulster80%4 years2.6%€1,500
UlsterExceptions4 years2.75%€1,500
Ulster90%5 years FTB2.6%
Ulster80%5 years2.6%
UlsterExceptions5 years2.75%
BoIAll1 or 2 year2.9%2% + 1% extra after 5 years
BoIAll3 or 5 year3.0%2% + 1% extra after 5 years
EBSAll1,2,3,4 or 5 year fixed2.9%2% + 1% extra after 5 years
 
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Mortgages with restrictions e.g. large mortgages or green mortgages

Max LTVFixed termRateCash backNotes
Ulster80%5 years2.2%€1,500€300k +
AIBGreen 5 year2.5%Not available to switchers?BER between A1 and B3
Ptsb60%3 year high value
2.65%2% cash back;
2% of repayments		€250k +
New customers only
Ptsb60%5 year high value
2.75%2% cash back;
2% of repayments		€250k +
New customers only
BoIAll1 or 2 year Green2.7%2% + 1% extra after 5 yearsBER A3 build or upgrade only
BoIAll3 or 5 year Green2.8%2% + 1% extra after 5 yearsEffective rate for 5 years: 2.2%
BER A3 build or upgrade only
 
Longer term fixed rates

Max LTVFixed termRateCash backNotes
F.I.60%7 year2.95%
Ulster90%7 year FTBs2.99%€1,500
Ulster80%7 years2.99%€1,500
UlsterException7 years3.14%€1,500
KBC60%10 year2.85%€3,000 for switchers onlyCurrent a/c customers
*Lowest 10 year rate
KBC80% 10 years2.99%€3,000 for switchers onlyCurrent a/c customers
KBC90%10 years3.2%€3,000 for switchers onlyCurrent a/c customers
BoI80%10 years3.3%2% + 1% extra after 5 years
BoI90%10 years3.5%2% + 1% extra after 5 years
 
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Variable rates

Max LTVRateCash backNotes
ICS60%2.7%Lowest variable rate <60%
AIB50%2.75%€2,000 for switchers onlyNo fees on the current account
F.I.50%2.75%
ICS80%2.95%Lowest variable rate 80%
AIB80%2.95%€2,000 for switchers onlyNo fees on the current account
KBC60%3%€3,000 for switchers onlyCurrent a/c customers
KBC80%3.05%€3,000 for switchers onlyCurrent a/c customers
KBC90%3.3%€3,000 for switchers onlyCurrent a/c customers
Lowest variable rate 90%
Ulster60%3.1%€1,500Current a/c customers
AIB90%3.15%€2,000 for switchers onlyNo fees on the current account
EBS50%3.3%2% + 1% extra after 5 years
 
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Is this table variable rates?
Yes. Heading inserted.
 
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KBC variable rate is 3.05% for 61-80% LTV. That's not included in the above.

Thanks - updated. I hadnt' put in every rate as the tables were unwieldy. But now as it's broken down into three tables I can include more.
 
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KBC 10 year fixed rate is 2.99% for 61-80% LTV. That's not included in the above.

Updated.
 
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Your 2.30% for Ulster Bank in 2 Year fixed 80% is on the condition that they don't exceed 3.5 LTI. If they do exceed this, the rate is 2.45%.

I have to strike a balance between simplicity and comprehensiveness. I can't cater for every exception.
 
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There are other rates cheaper than the <90% LTV across various lenders for those with LTV of 61-80% but I understand you cannot list everything.
 
Bourbon

Those corrections are great. Thank you very much. All updated now apart from the one about the LTI.

Brendan
 
Hi Brendan,

It might be useful to have all the variable mortgages with cashback offers (particularly percentage cashbacks) included for those who want to do multiple switches such as PTSB and BOI.

Thanks
 
smndly said:
It might be useful to have all the variable mortgages with cashback offers (particularly percentage cashbacks) included for those who want to do multiple switches such as PTSB and BOI.
Click to expand...

Is that not what this is?

Mortgages - Good Buy Tables

It's very hard to keep these updated - so do check their accuracy before making a decision. I have tried to get a balance between keeping it simple and including every deal. If there is a Good Buy that I have excluded, please let me know. I have summarised my conclusions here...
askaboutmoney.com
 
smndly said:
might be useful to have all the variable mortgages with cashback offers (particularly percentage cashbacks) included for those who want to do multiple switches such as PTSB and BOI.
Click to expand...
If multiple cashbacks are the motivation, the interest rate doesn't come into it at all.

The tables are complex enough to come up with and maintain, without bringing really really bad rates into a 'best buys' table.
 
With KBC closing is it possible to switch your mortgage to another provider of your choice?

Is there a thread showing where the cheapest mortgages are at the moment?
 
SlugBreath said:
With KBC closing is it possible to switch your mortgage to another provider of your choice?
Click to expand...

In general yes but the answer will depend on your specific financial position.

SlugBreath said:
Is there a thread showing where the cheapest mortgages are at the moment?
Click to expand...

Key Post - Should an existing KBC mortgage holder do anything now in advance of the sale of their mortgage?

It is expected that your KBC mortgage will be sold to Bank of Ireland. This could happen at any time. As you will see, Bank of Ireland has far higher rates than KBC, so you do need to something about it before your mortgage is sold. If you have a cheap tracker, you don't need to do anything...
www.askaboutmoney.com
 
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