Important Notices

Consent is required if the customer wishes the local authority to be able to telephone them at their place of employment/ business in connection with a Credit Agreement. From time to time the local authority may need to contact you during working hours in connection with the Account. Should you wish to give your consent you should sign this part
I/we hereby consent to the local authority contacting me/us by telephone at my/our place of employment/business.

A Local Property Tax check is carried out by the Loqg| Authority. The LPT check will compare the applicant(s) PPSN against a database of people registered for the Local Property Tax’

We authorise the local authority to carry out LPT checks against me/us.

Notice: Under the Credit Reporting Act 2013, lenders are required to provide personal and credit information for credit applications and credit agreements of €500 and above to the Central Credit Register. This information will be held on the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements.

We fully respect your right to privacy. Any personal information which you provide to us will be treated with the highest standards of security and confidentiality, strictly in accordance with the Data Protection Acts 1988-2018. The General Data Protection Regulation (GDPR) (EU) 2016/679 is a regulation on data protection and privacy for all individuals within the European Union. It came into force across the European Union on 25 May 2018. It replaces the previous data protection directive which has been in force since 1995 and forms the basis of our new Data Protection Irish laws (Data Protection Acts 1988-2018).

Interest will be applied to the outstanding balance of the loan. This balance includes any element of unpaid interest and charges which will accrue interest on the rate applicable to the account

Where the property is sourced by the applicant on the open market, each application must be supported by a valuation report carried out by an approved independent or local authority valuer. Valuation/survey fees are payable by the applicant(s) to the firm of valuers who undertake the valuation.

You do not have a right to cancel the contract once you have drawn down a housing loan but you may repay a housing loan early as outlined in the next paragraph.

The borrower may have to pay early repayment charges if they pay off a LAHL early during the term of the loan If you fail to make any payment due to us in respect of the loan or, if any of the other events of default which will be specified in the contract between us for the loan were to occur we may call for the immediate repayment of the loan together with all accrued but unpaid interest thereon and all other costs and expenses payable under the contract. We may also enforce our mortgage over your property and sell it and realise any security given to us and apply the proceeds of sale in repayment of the loan and all interest and costs and expenses.

All our dealings with you, and all contracts between us, will be governed by the laws of Ireland. All contracts between us, all information, which we supply to you, and all other communications with you will be in English.

If applicants) have exhausted the Appeas Process and remain unhappy with the local authority decision, they can make a formal complaint to the Local Authority Complaints department