Coming off a fixed mortgage

[Digger]

Just coming off a 5yr term with NIB , and I'm wondering when I calculate
the repayments for a new 2yr fixed do I use the rate 3.80% or APR 4.13%
in calculating my monthly repayments?

 

[NorfBank]

Use the 3.8%.
APR is misleading when it comes to comparing fixed rates. Ignore it.

www.moneybackmortgages.ie

 

[marksa]

APR here indicates 3.55% for the 2 year.
[broken link removed]

Owner Occupier ratesRateAPR*Home Loan Variable rate3.40%3.46%
Fixed Rate Offers for Principal Private Residences

Fixed rate mortgage
2 Year Fixed 3 Year Fixed 5 Year Fixed 10 Year
Rate 3.80% 4.10% 4.60% 5.29%
APR 3.55% 3.68% 4.05% 5.01%
Fixed Rate Offers for Residential Investment Properties

Fixed rate mortgage
2 Year Fixed3 Year Fixed 5 Year Fixed
Rate 4.24% 4.50% 4.84%
APR 4.25% 4.35% 4.58%