Mansfield EBS Loan And Mortgage Centre
Mansfield EBS offers a range of loan and mortgage products to potential home owners, investors and EBS members from our offices at Grattan Square, Dungarvan, County Waterford.
Buying Your First Home
Buying your first home is one of the biggest financial decisions you will ever make. The EBS aim is to offer you a very competitive mortgage package, backed up by a quality of service that's second to none. There are two products specifically tailored to your needs. EBS has a tailored mortgage solution for first time buyers. Firststep offers a range of benefits designed to make it easier for you to get your foot on the property ladder. FamilyFirst is designed for the 70% of First Time Buyers that need help from their family to get them started on the property ladder. It allows parents to raise money for the deposit without a large outlay or making loan repayments.
Members Personal Loan
In response to requests from members, EBS has recently launched a new unsecured, personal loan called the EBS Members Personal Loan. The EBS Members Personal Loan is being offered in conjunction with GE Capital, one of the world's leading providers of consumer finance and is exclusively available to EBS members. You can now borrow any amount from €1,000 to €35,000 over 1 to 5 years, without set-up fees. The more business you have and the longer you've been with EBS, the better the interest rate you can get. So your membership translates into a clear benefit when you get your EBS Members Personal Loan for a car, holiday or any other personal need.
Moving Home
However happy you are with your first house, the time always comes when it makes a lot of sense to move on. Maybe you need more space for your growing family or you've spotted that perfect house you know you can turn into a very special home. Whatever the reason, EBS NextStep is the perfect loan package for you. NextStep is much more than an average mortgage, because it has been created specifically with secondtime buyers' needs in mind. Not only does it give you all of the benefits of a very competitive EBS mortgage package, but it also includes a uniquely attractive choice of additional benefits, giving you the freedom to plan ahead for your future.
Building Your Home
The EBS have helped thousands of people through the process of building their own home. It requires organisation but can have huge rewards. EBS Self-Build Home Loan has been specially designed to help you turn your dreams into reality. The EBS offer a range of options that are tailored to suit the very specific needs of those building their own homes. Members are allowed to draw down what they need, when they need it, helping you save money. This is in addition to the range other great value features that make this so.
- Stage Payments - Drawn down the funds you need when you need them.
- Bridging Finance - Easy access to additional funds if you find that you have underestimated the amount you need.
- EBS pays your indemnity bond, if one is required.
- Extra discounts - Avail of further discounts if the loan is less than 75% of the completed property.
- Insurance - Free course of construction cover for up to 18 months if you take EBS House Insurance.
- Flexible Payment Options - Freedom to change your mortgage payments as your circumstances change.
Borrowing More Money
Borrowing additional money just got a lot easier for EBS members with a home loan. Whether you want to borrow money to improve you home, change your car or even consolidate all of your borrowings into one easy repayment we have a solution. And because it is EBS, you know that that solution will provide great value for money. With a hassle free process and quick access to finance, EBS can help you do those things you are planning, even at short notice.
Loans for Living is all about quick hassle-free access to finance. We have a wide range of loans to suit different needs.
Release from EBS is about giving existing customers the ability to borrow money to help make their dreams a reality today. With Release, finance for the holiday of a lifetime or a new kitchen can be at Home Loan rates and you can even consolidate expensive personal loans into this one easy repayment.
Buy To Let
With the availability of mortgage interest relief, Buy To Let properties (residential investments) are more popular than ever. Buy To Let properties are still very much in demand. And with EBS it's much easier to make that investment. On offer is 100% finance to borrowers who can provide additional security and 90% loans for first-time investors in the 'Buy To Let' market.
Features of EBS Buy To Let Loan
- Up to 100% finance is available where additional property can be offered as security so that the overall loan to value ratio is 75% or less
- Up to 90% finance is available for first time investors in this market
- Alternatively, you can take out a Top Up on your home mortgage to raise the balance of funding required
- Flexible Terms
- Interest only option is available for up to the first 5 years, subject to criteria
- Guaranteed acceptance for life cover of up to €317000, subject to criteria
Commercial Property Loans
Professional - Staffed by a team of 21 experienced professionals with a strong background in the property market and a clear understanding of your business needs, EBS Commercial is geared up to offer you quality decisions at the kind of speed required in today's fast-paced business environment.
Partnering - The EBS philosophy is based on partnering our customers to achieve their ambitions for property ownership and prosperity. Experience has shown us that the best way to achieve this aim is by developing mutually rewarding long term relationships.
Flexible - We offer many flexible features and provide specially tailored commercial loans for all types of property investments. Including:
- Finance up to 75%
- Long term finance – from 6 months to 20 years
- Interest only terms
- Choice of competitive interest rates including, market linked rates (Euribor/Libor) or special terms on standard EBS commercial rates
- Loan Sizes from €100K to €50 million welcome
- Flexible repayment scheduled to suit your needs.
- Interest roll up facilities for development finance
- Annuity, endowment and pension backed loans available
- Options to release equity for other business ventures
- Refinance package available
