Wednesday 20 September 2017

BEST BUYS

InstitutionRate Monthly repayment

Ulster Bank4.5pc€632.65

Mortgage Store4.7pc €643.50

Bank of Ireland4.8pc€648.96

PTSB 4.8pc€648.96

Ulster Bank4.95pc€657.20

KBC5.15pc€668.27

Based on a buy-to-let mortgage of €100,000 over 20 years at a variable rate on a property worth €200,000.

InstitutionAccount type AER/Gross

AIB Online Saver Account 2.0pc

AIB Saver Account2.0pc

Ulster Bank Special Interest Deposit 1.5pc

PTSBOnline Regular Saver 1.4pc

RabodirectOn Demand Savings1.25pc

PTSBBooster Bonus Account1.05pc

Based on regular monthly savings of €20 per month, with instant account access.

InstitutionTypical APR Mthly repayment

Bank of Ireland 7.5pc €498.03

AIB9.99pc €525.78

Ulster Bank 10.3pc €529.25

PTSB 10.5pc €531.50

KBC 12pc €548.39

Based on personal loan of €25,000 over 5 years at a variable rate; taken out by parent to fund student costs.

ProviderPlan Annual cost

FloGas 20pc Direct Debit Discount€798.45

FloGas 15pc Direct Debit Discount€841.15

EnergiaSmartChoice Gas €854.48

Bord Gais8pc Discount €899.08

Electric Ireland Standard Gas€910.20

Bord Gais5pc Discount €923.53

Based on urban user who pays by direct debit and uses 13,800kWh of natural gas a year. Cost is for the first year.

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