Irish Permanent

Irish Permanent is the trading name used by Capital Home Loans Limited. Its products are only marketed through intermediaries.

It offers the following types of mortgage:

• Buy to Let
• Self Certification

Buy to Let: these are offered to individuals and limited companies. You can choose from fixed or flexi tracker:

Fixed: your initial rate will be fixed for a set period. After the fixed rate period your mortgage will then go back to a variable rate.

• An early repayment charge is payable during the fixed rate period

Flexi Tracker: your interest rate is linked to the Bank of England Base Rate for a set period, at a slightly higher interest amount. After the tracker rate period is over your mortgage will then revert to a higher variable rate.

• An early repayment charge is payable

Rental cover must be 125% of the mortgage interest payment

Self Certification: these mortgages are offered for self-employed people only. You can choose from fixed or flexi tracker:

Fixed: your starting rate will be fixed for a set period. After the fixed rate period your mortgage will then convert to a variable rate.

• An early repayment charge is payable

Flexi Tracker: your interest rate is linked to the Bank of England Base Rate for a set period, at a slightly higher rate. After the tracker rate period is over your mortgage will convert to a higher variable rate.

• An early repayment charge is payable

A completion fee is applicable and the minimum period of self employment is 1 year

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