Your eligible deposits with Bank of Ireland (UK) plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. ; Mortgage Payment Holiday Calculator … 'year' : '' }} Even a small overpayment amount can make a significant difference to your mortgage. mortgages . Or your can call us on: 01 709 2500 Please have your mortgage account number ready. In the UK, Bank of Ireland is authorised by the Central Bank of Ireland and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Mortgage Overpayment Calculator. Whether you’re looking to downsize or you’re looking for more space, you could apply to transfer your existing mortgage rate when the time comes to move. Bank of Ireland UK loan rates at a glance. 'month' : '' }} Barclays Mortgage Overpayment Calculator Product details for and barclays overpayment calculator to your monthly loan to plan for 'months' : '' }} You can enter either the increase to your monthly repayment, a lump sum payment amount , or both to calculate your savings. Before overpaying your mortgage, check that your lender allows you to overpay it penalty-free, and if there are any limits as to how much you can overpay. There are 2 ways that you can make overpayments to your mortgage - a Regular Overpayment and a Lump Sum Payment. Bank of Ireland is regulated by the Central Bank of Ireland. ), Got a question? ... Bank of Ireland Bank of Ireland UK Matched Mastercard, Credit Profile: good %, Rate APR:19.9000. 'years' : '' }} {{(( field_22 == 1 ) && (field_23 != 12)) ? Registered in England & Wales (No. What is your Variable Rate Policy Statement? The outstanding amount on your mortgage loan at that time is €100,000. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2 D02 VR98. If you’re considering a new Buy to Let investment, you could apply to transfer your current mortgage rate to your new property. (Terms and conditions apply. Rates provided are correct as of 21 September 2020. Mortgage calculator Use our mortgage calculator to see how much you could borrow, what it might cost you per month and to see our mortgage rates. Representative example. This field is for validation purposes and should be left unchanged. Overpayment calculator. Try our overpayment calculator to see what savings you could make. These are payments made each month which are in addition to your standard monthly mortgage payment. field_22 : '' }} {{ ((field_22 > 1) && (field_23 != 12)) ? To change your term please call us on 0345 300 8000*. The Bank of Ireland First Start Mortgage is available with up to 95% loan to value. If you’re looking to make some home improvements, you may be able to borrow more against your home. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group, Banc Uladh, Lombard and Ulster Bank Invoice Finance. is regulated by the Central Bank of Ireland. Mortgage Overpayment Calculator; Get an Insurance quote: Home Insurance; Your session is about to expire. How will the mortgage drawdown payment be sent to me? Bank of Ireland Group plc is a public limited company incorporated in Ireland, with its registered office at 40 Mespil Road, Dublin 4 and registered number 593672. Registered in Republic of Ireland. This handy calculator will show you what could happen to your mortgage if you were to make a lump sum and/or regular monthly overpayments. Please see the assumptions we have made below the calculator. 'years' : '' }} {{ ((field_23 == 12) && (field_24 == 1 )) ? Bank of Ireland, {{ ((field_22 > 0) && (field_23 != 12 )) ? How long does the mortgage offer stay valid for. "Overpayments are permitted on this mortgage. This monthly repayment is based on a loan to value variable interest rate. Bank of Ireland is regulated by the Central Bank of Ireland. Go to ourSupport Centre to see a full list of frequently asked questions. By proceeding any further you will be deemed to have read our Terms and Conditions and Privacy Statement. Bank of Ireland UK offers the loan with repayment terms between 1 and 7 years and applicants can apply to borrow from £ 1,000 to £ 25,000. Based on a mortgage of €200,000 over a 25 year term @ a standard variable rate of 4.5%; by making regular overpayments of €100 per month from year 3 going forward you can reduce the term of your mortgage by 38 months and save approximately €18,400 in interest payments. Ensure that any overpayment you make goes to reduce the debt (so shortening the term) rather than reducing your monthly payments. field_23 : '' }} {{ ((field_23 > 1) && (field_23 != 12)) ? When we receive a lump sum overpayment, we recalculate the amount you owe and the amount of interest you pay with effect from the following day. {{ ((field_23 > 0) && (field_23 <=1) && (field_23 != 12) ) ? Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 512956. FAQs. {{ (field_22 == 0) && (field_23 == 0 ) ? The Bank of Ireland UK Online Personal Loan charges 3.4% APR representative on loans between £7,500 and £15,000. Our FAQs may help. AIB Overpayment to Mortgage Account Form 3 of 3 Example 1: You fix your mortgage loan at a fixed interest rate of 5.25% for a period of 5 years (60 months). {{ (field_23 == 12) ? If you make a regular or lump sum overpayment, we won’t automatically reduce your mortgage term. (field_24) : '' }} {{ ((field_23 == 12) && (field_24 > 1 )) ? Yes, at Bank of Ireland, we offer the flexibility to overpay your mortgage which means you could clear your mortgage quicker. 7022885), Bow Bells House, 1 Bread Street, London, EC4M 9BE. This means you could need as little as a 5% deposit to get your feet on the property ladder.