History

Capital Home Loans is now wholly owned by Irish Life and Permanent plc, which is the largest residential lender in the Republic of Ireland. It was acquired in 1996 and Capital Home Loans lends in both the residential mortgage and Buy to Let markets. It sells mortgages to intermediaries only.

Mortgage intermediaries are organisations or individuals that specialise in arranging mortgages for their customers via a range of mortgage providers, but who do not provide mortgages themselves.

Remortgages offered through Capital Home Loans

Capital Home Loans is currently not accepting new mortgages from either a registered intermediary or from the public directly. For existing customers however, Capital Home Loans does offer the following types of mortgages:

• Buy to Let Fixed - your mortgage will be fixed at a set rate. After the fixed period has finished your rate will revert to the Bank base rate plus a set charge. The maximum loan is 85% LTV. There is an early repayment charge during the fixed rate period. A completion fee is payable.
• Buy to Let Flexible Tracker - your mortgage is set according to the Bank base rate plus a charge for a set period. After the flexible tracker period has finished your rate will revert to the Bank base rate plus a higher charge. There is also a mortgage product that tracks the Bank base rate for the entire term. The maximum loan depends on which flexible tracker product you choose. There is an early repayment charge. A completion fee is payable.
• Self Certification - these products are only available for the self employed. You can choose between fixed, discount flexible and flexible self certification mortgages:
• Fixed - your rate will be fixed for an agreed period. After this your mortgage will track the Bank base rate plus a charge.
• Flexible Discount - your mortgage is set according to the Bank base rate plus a charge for a set period. After the flexible tracker discount period has finished your rate will revert to the Bank base rate plus a higher charge.
• Flexible Term - your mortgage is set according to the Bank base rate plus a charge for a term of your mortgage.The maximum loan depends on which self certification product you choose. There is an early repayment charge. A completion fee is payable. You will need to have been self employed for at least 1 year.
• Full status products - you can choose between two flexible tracker products:
• Flexible - your mortgage is set according to the Bank base rate plus a charge for an agreed period. After the tracker period has finished your rate will be set at the Bank base rate plus a higher set charge.
• Flexible Term - your mortgage is set according to the Bank base rate plus a charge for a term of your mortgage. The maximum loan depends on which full status product you choose. There is an no early repayment charge. A completion fee is payable. Minimum period of employment is 3 months.