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Mortgages

Amend your existing online application

If you’ve recently applied for your first direct mortgage online and wish to make any amendments to your application, you’re able to change the following online:

  • loan amount
  • mortgage term
  • mortgage type (i.e. change from offset to repayment only)
  • interest rate (e.g. change from fixed, tracker or standard variable)

In order to make amendments, you’ll need to:

1. Use our ‘Find a mortgage for you’ tool to find the mortgage you would now wish to change to – remembering to select ‘Amending an existing application’ in the ‘I am..’ field.

2. Once you’ve selected the mortgage, you’ll then need to click on ‘Full details’, followed by ‘How to Apply’.

3. Then simply follow the on-screen instructions.

Please Note: You'll need to complete a new mortgage application if you want to make any other amendments to your online mortgage application or if your application was submitted over five months ago. If you do not wish to amend your interest rate, but cannot find the interest rate you originally applied for, please call us on 03 456 100 103.

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Important Notes

first direct Offset Mortgages are interest only mortgages. The monthly payments shown on the next screen will cover only the interest charged on your mortgage.

This payment does not cover an amount that you need to pay to a repayment strategy. You are responsible for making your own arrangements to repay your mortgage at the end of the mortgage term.

You must demonstrate that you have a suitable repayment strategy in place. You may choose to use an endowment policy or another investment or savings plan.

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Offset Mortgage calculator

The offset calculator is designed to provide an overview of the amount of interest you could save on a monthly basis and over the term of your interest-only Offset Mortgage by offsetting your current account and savings balances.

Warning - the information provided by this tool is for illustrative purposes only and is not a precise calculation. This information does not include all of the details you need to select a mortgage or compare mortgages. Make sure you read the separate Key Facts Illustration before you choose a mortgage.

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Calculator Assumptions

  • interest rate - the calculator assumes that the interest rate will remain the same for the term of the mortgage
  • length of month - months are of equal length and are set at 30.4 days so the monthly interest will not differ
  • rounding of payment amounts - amounts are rounded up or down accordingly for display purposes
  • interest - interest is calculated daily and added monthly
  • amount of interest saved - interest saved is rounded up or down accordingly for display purposes
  • total savings balance - the calculator assumes that the total savings balance illustrated is held in a linked account(s) and remains constant throughout the term of the mortgage. If the total savings balance is increased/decreased on an adhoc basis the monthly interest payments will also increase/decrease respectively
  • mortgage amount - as this is an interest only mortgage, at the end of the mortgage term there will still be an outstanding balance of the original mortgage amount. You must ensure you have a repayment plan in place to repay this balance.

Warning - the information provided by this tool is for illustrative purposes only and is not a precise calculation. This information does not include all of the details you need to select a mortgage or compare mortgages. Make sure you read the separate Key Facts Illustration before you choose a mortgage.

Find a mortgage for you

Quickly search our wide range of mortgages to find those that may be available to you.

Find a mortgage

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

† Our Mortgage Team is available 8am to 10pm, 7 days a week