EBS

Mortgages from EBS

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:

  • 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.

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
  • The EBS mortgage calculator allows you to easily see monthly repayments based on how much you’d like to borrow, and your loan term and type

Find the best rates

What else to EBS offer?

  • Mortgage calculator: The EBS mortgage calculator shows you monthly repayments based on how much you’d like to borrow and your loan term and type.
  • EBS online banking:

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.

Does EBS offer online banking?

Yes, EBS online banking allows you to pay bills, manage transactions, transfer money all in a time and place that suits you.

Register for online access by completing the application form, then post it to the bank.

You will then receive three key numbers which you can use to access your accounts online - your Customer ID, a 6-digit one-time code and your PAC (Personal Access Code).

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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Mortgage lenders in Ireland

Warning: If you do not keep up your repayments you may lose your home. Warning: The cost of your monthly repayments may increase. 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: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period. The payment rates on this housing loan may be adjusted by the lender from time to time. (applies to variable rate loans only) Information provided and Interest rates quoted valid at 10/07/2025