About EBS mortgages
EBS has been providing mortgages since 1935. They offer a range of products to 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?
EBS offer a range of mortgages to suit most borrowing needs:
EBS mortgage features
Choose from variable and fixed rate mortgages over a term of up to 35 years. To complement their mortgage product range, EBS provide several attractive benefits:
- Get up to 3% cashback on some mortgages. T&Cs apply
- Benefit from a lower rate Green 4 year Fixed Rate Mortgage if your BER is B3 or better
- Get €3,000 cashback on a Green 4 Year Fixed Rate Mortgage if you switch to EBS. T&Cs apply.
- Three months free home insurance on new policies that start after 1 April 2024. T&Cs apply.
- A long 12 months Approval in Principle validity period
- Top up mortgages, using the equity in your home to pay for home improvements
More about EBS
EBS is regulated by the Central Bank of Ireland and is 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.
In addition to mortgages, they offer savings and investment products, insurance, protection, and everyday bank accounts.
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.
When they have 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.
How do I get cashback on my EBS mortgage?
You can get up to 3% cashback on your mortgage if you’re:
- Buying your first home
- Switching your mortgage
- Moving house
Here are the full terms and conditions.
You can also get a cashback sum if you switch your current mortgage to EBS, and select the Green 4 Year Fixed Rate Mortgage.
The EBS Green 4 Year Fixed Rate Mortgage Switcher offer is available to customers who:
- Are moving their existing mortgage from another lender to EBS
- Are eligible for the EBS Green 4 Year Fixed Rate Mortgage (including a BER rating of B3 or higher)
- Are buying a property in Ireland
- The mortgage on the EBS Green 4 Year Fixed Rate is taken out between 10 March 2023 and 31 December 2025.
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 and 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.
Compare mortgage rates & deals
Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.
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