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

What are mortgage intermediaries?

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 of their own.

Capital Home Loans offer the following types of mortgage:

Buy to Let Fixed
Buy to Let Flexible Tracker
Self Certification
Full status products

Buy to Let Fixed: your mortgage will be fixed at a set rate. After the fixed period has concluded, your rate will go back 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 with a charge added for a set period. After the flexible tracker period has over, your rate will relapse 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 offered 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 which your mortgage will track the Bank base rate in addition to 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 is over, your rate will be set to the Bank base rate plus a higher charge.

Flexible Term: your mortgage rate is set based on the Bank base rate plus a charge for a term of your mortgage.

The maximum loan depends on which self certification product you select
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 interval, after which your rate will be set at the Bank base rate plus a higher set charge.

Flexible Term: your mortgage rate is set based on the Bank base rate, with an added 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