Repayment Schedule

Repayments are based on a variable rate of 2.67%(2.7% APR) over a term of 35 years and include tax relief (TRS). Rates correct as at 16/03/10 on EBS Easystep option.

Please contact Bernard, Paul or Marian in EBS Drogheda to arrange an appointment or to discuss your mortgage options on 041-9837284 / 041-9836203 or alternatively e-mail us: drogheda@mail.ebs.ie

EBS Home Insurance is brought to you by EBS and underwritten by Allianz plc.

Lending terms and conditions apply. 1. The maximum loan-to-property value (LTV) with the EBS First Mortgage is 92%. As a general rule the loan amount should not exceed 3 times the main income or 3 times the joint income (in the case of two earners). A mortgage on your home is required as security. The payment per month for a loan amount of �100,000 over 20 years would be �536.26 (variable APR 2.7% excluding insurance payments). An increase in interest rates of 1.0% would increase the monthly repayment by �50.40. A qualified valuer will need to value your property. This valuation should not cost you more than �127 (plus travel expenses, where applicable). Under the Consumer Credit Act 1995, a mortgage protection policy is required for all housing loans. EBS can arrange this for you. *With the EasyStep option, your payments are reduced in the first 3 years of your mortgage. This means that your repayments will increase from year 4 onwards to ensure that the full loan is repaid within the original term agreed. Your repayments from year 4 onwards will include an interest charge for the EasyStep option.   2. All savings are applicable on owner occupied contents only and buildings and contents only home insurance policies. A policy document including the full terms and conditions of EBS Home Insurance is available on request. EBS Home Insurance is suitable for private dwelling houses of standard construction with a rebuilding cost not exceeding �1,000,000. Allianz plc. is regulated by the Financial Regulator. 3. Protection products are brought to you by EBS & Irish Life Assurance plc. EBS Building Society (EBS) is a tied insurance agent of Irish Life Assurance plc (Irish Life). EBS and Irish Life are regulated by the Financial Regulator. 4. Involuntary unemployment is offered to private sector employees and hospitalisation cover for state and self employed. Specific terms and conditions apply. EBS Mortgage Payment Protection is underwritten by Financial Insurance Company Ltd, trading as Genworth Financial, who are regulated in the UK by the Financial Services Authority and in Ireland by the Financial Regulator. Specific terms and conditions apply. A full policy document detailing all terms, conditions and exclusions is available on request. Rates and information correct as of 14/09/09.