What are the benefits? Personalised Service No Bank Fees Repayment Flexibility Tailor your own Home Facility

Perhaps it is your first home investment, or moving home and planning for the future, or looking to change your home loan facility with the aim of reducing your interest and capital repayments, or planning to refurbish or extend your current residence, or planning to purchase a second residence (such as a summer residence). Whatever the purpose may be, our flexible APS Home Loan or APluS Account facilities offer you a great deal: Through our flexible products you may customise the terms of the loan to address your needs; You will not incur Bank’s processing and legal fees if you are applying for a Home Loan or having your current home loan re-financed by the Bank; You will be automatically provided with an APS Premier Card when applying and having a Home Loan sanctioned in your name; You will automatically be eligible to an APS Visa Debit Card (free of the initial charge) when your application is approved and the facility availed of.  What are the benefits?  ^ top Personalised service; No Bank legal and processing fees (referred to above); Repayment flexibility; A great low interest rate; No penalties on early repayments; No hidden charges; Lowest commissions and charges on other bank transactions.  Personalised Service  ^ top Our staff will be willing to guide you gradually through the home loan procedure and provide you with a sensible and practical advice on the personal selection of your Home Facility that best suits your financial needs. Our staff can provide you an experienced service through their professional and welcoming approach.  No Bank Fees  ^ top Save up to a maximum of €1,200 on Bank fees when availing yourself of the APS Bank’s Home Loan facility, depending on the amount of your required home-linked facility  Repayment Flexibility  ^ top Our Home Facilities are flexible enough to accommodate future changes in your lifestyle. You may decide to upgrade your home, take a year out, have a baby or tie the knot, so we’ve made it easy to adapt your mortgage to suit your changing circumstances. APS Home Loan APluS Account  Tailor your own Home Facility  ^ top If you have never borrowed money before, you need not worry as it is not complicated as you might think. Use our Budget Planner to assist you in working out how much you can afford to repay per month and borrow in total. How much would you like to borrow? This handy Loan Calculator will help you calculate the total and monthly repayments for your required loan. Tailor Your Own Loan (Budget Planner)  - Click Here