About EBS mortgages
EBS has been providing mortgages since 1935. They offer a range of products that could help you get a foot on the ladder, move to your forever home, or even build your own home.
What type of mortgages does EBS offer?
- First time buyer: EBS aims to make the process as smooth as possible, offering expert help to answer all your questions.
- Home mover: Whether you’re used to moving or not, your local EBS mortgage expert can tailor their approach for you and talk through your options as a next time buyer.
- Switcher: If you want to switch your mortgage over to EBS, they’ve simplified the process as much as possible, and are on hand to guide you through it.
- Self build: Building your own home is a big deal and it needs a specialist type of mortgage which EBS offers. You can also access some useful resources to help you get started.
Compare mortgage rates & deals
Find the best first time buyer and home mover mortgage deals in Ireland using our comparison.
Other EBS mortgage features
- Get up to 3% cashback on your mortgage, terms and conditions apply
- Benefit from a lower rate Green 4 year Fixed Rate Mortgage if your BER is B3 or better
- Choose from variable and fixed rate mortgages, over a term of up to 35 years
- Meet with a Mortgage Master who can guide you through your mortgage journey
- Top up mortgages, using the equity in your home to pay for home improvements
- Get access to free resources e.g. blogs, videos and guides to make you mortgage savvy
- Apply to increase your mortgage term or switch to interest only repayments for a set term*
*Subject to terms and conditions and you’ll need to pass eligibility checks.
Check that an EBS mortgage is right for you by comparing it against mortgages from other lenders using our comparisons.
More about EBS
EBS is regulated by the Central Bank of Ireland and part of the wider AIB Group.
They aim to help as many Irish families as possible own their own homes, and save for the things that matter to them most.
As well as mortgages, they offer savings and investment products, insurance, protection and everyday bank accounts.
Compare mortgage rates & deals
Find the best first time buyer and home mover mortgage deals in Ireland using our comparison.
EBS mortgage FAQs
How long will EBS take to approve my mortgage application?
EBS will acknowledge receipt of your application within three working days. They will then check it over and let you know within a further three days if anything is missing.
From when they have got everything they need, it usually takes ten working days to decide whether or not to approve you for a mortgage.
Can I pay off my EBS mortgage early?
If you have a variable rate mortgage, you have more flexibility to pay part or all of your mortgage off early without penalty, but always check.
If you have a fixed rate mortgage, paying off too much before the product term ends may result in you being charged an early breakage cost, which may be expensive.
Can I get 3% cashback on my EBS mortgage?
Yes, you could get up to 3% cashback on your mortgage if you’re:
- Buying your first home
- Switching your mortgage
- Moving house
You’ll get 2% within two months of drawing down your mortgage, the money will be paid into the account your mortgage payments are taken from.
Then after five years you could get a further 1% cashback, depending on the terms of your mortgage.
You need to drawdown your mortgage by 31 December 2021 to take advantage of this offer. Here are the full terms and conditions.
What is an EBS Mortgage Master?
A mortgage master is simply an expert on mortgages and all EBS’s products. They are dotted in offices all over communities in Ireland.
They have extensive knowledge about the Irish area they cover, in addition to the whole mortgage process. They can look at your individual circumstances to give you the best chance of being approved and finding the right deal.
They can offer mortgage appointments to fit around you - whether that’s early, in the evening or over the weekend.
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