Lenders · AIB Group
EBS: what it offers and who it suits
Checked 21 Oct 2026EBS's own pages and the Central Bank register.
Direct customers who want a simple product range from an AIB Group lender.
- Regulated as
- a bank by the Central Bank of Ireland
- How to apply
- Direct only
- Overpay on a fixed rate
- 10% of the balance a year without a fee
- Longest term
- 35 years, to age 70
- Switcher offer
- None listedAny cashback offer is on EBS's own pages, not its rates table; check before you apply.
- First-time buyers
- One rate for every loan-to-value on the fixed terms; a green 4 year rate for a BER of B3 or better.
- Green rate
- Yes, for a BER B3 or better
- The lender’s own rates page
- www.ebs.ie/mortgages/mortgage-interest-rates
The offers above were read from EBS’s pages and secondary sources at launch and are to be confirmed line by line against the lender’s current terms.
Rates checked
| Cashback | Checked | |||||
|---|---|---|---|---|---|---|
| Green 4 year fixedBER B3 or better | any LTV to 90% | 4 yr | 3.20% | 3.90% | none | 21 Oct 2026 |
| Variable, up to 50% LTV | up to 50% LTV | variable | 3.75% | 3.90% | none | 21 Oct 2026 |
| 1 year fixed | any LTV to 90% | 1 yr | 3.85% | 4.30% | none | 21 Oct 2026 |
| 2 year fixed | any LTV to 90% | 2 yr | 3.90% | 4.20% | none | 21 Oct 2026 |
| Variable, 50% to 80% LTV | 50% to 80% LTV | variable | 3.95% | 4.10% | none | 21 Oct 2026 |
| Variable, over 80% LTV | 80% to 90% LTV | variable | 4.15% | 4.30% | none | 21 Oct 2026 |
| 3 year fixed | any LTV to 90% | 3 yr | 4.30% | 4.30% | none | 21 Oct 2026 |
| 5 year fixed | any LTV to 90% | 5 yr | 4.40% | 4.40% | none | 21 Oct 2026 |
How it compares
See EBS beside every other lender on the rates comparison, and check what a switch would save after fees with the switching calculator. Before you deal with any lender or advisor, check the Central Bank register.
Information, not advice. Nothing here is a recommendation; the right lender depends on your own circumstances, which only a lender or a regulated advisor can assess. Last checked 2026-10-21. MortgageWise is an independent site, not connected with the Central Bank of Ireland, Revenue, the Housing Agency, any local authority, any lender or any Government department. It is not a lender, a mortgage broker, a credit or insurance intermediary, a solicitor, a tax adviser or a financial adviser. It covers the Republic of Ireland only. Before you sign anything, talk to a solicitor and, for advice on a mortgage, to an advisor regulated by the Central Bank of Ireland.