A fee charged when you request your mortgage provider to supply additional copies of your mortgage contract or statement of interest.

This fee only applies to fixed rate mortgages. This is a charge incurred when you make a payment towards the balance of your mortgage. This is sometimes referred to as a breakage charge.

Accountable trust receipt: €63. You will need to pay this fee where your solicitor requests the Title Deeds from the Bank on your behalf. This fee does not apply where a customer seeks additional funds on the same security.

A fee charged at the end of a mortgage when you’ve paid the balance in full to release the deeds to your property and remove the bank’s claim on them.

The Bank requires that you arrange a valuation of the property (or properties) offered as security, carried out by a valuer acceptable to the Bank. You will need to pay the valuation fee direct to the valuer. You need to agree that fee with the valuer (you should expect to pay a fee of €150 to €250 plus VAT but this can vary). If a loan agreement with you is withdrawn, this fee may be refunded. No responsibility is implied or accepted or warranty given by the Bank for the value or condition of the property as outlined in the valuation. The valuation report will remain the property of the Bank and you are entitled to your own copy of the report.

If you do not pay us a repayment instalment or other sum of money by the date you are due to pay it, we may charge you a default interest rate of 0.5% per month or part of a month (which is 6% per year) on the unpaid sum. This default interest is added to normal interest.

Security perfection fee for equity release: €600. this fee covers the bank’s legal expenses where the bank agrees to handle an equity release loan without the need for a customer to engage his/her own solicitor.