Current rates from Irish mortgage lenders. All rates are indicative — always get a personalised quote from the lender.
🏠 Fixed Rates — Mainstream Lenders
| Lender |
3yr |
4yr |
5yr |
7yr |
10yr |
Variable |
Cashback |
🔒 Avant One Mortgage — Fixed for Life
Unique in Ireland — your rate is fixed for the entire mortgage term (up to 30 years). Monthly repayment never changes. 10% overpayment allowed per year. 1% cashback on drawdown.
| Mortgage Term |
≤80% LTV |
>80% – 90% LTV |
Notes |
| Up to 15 years | 3.40% | 3.80% | €7.10/mo per €1,000 |
| Up to 20 years | 3.40% | 3.80% | €5.75/mo per €1,000 |
| Up to 25 years | 3.40% | 3.80% | €4.95/mo per €1,000 |
| Up to 30 years | 3.40% | 3.80% | €4.43/mo per €1,000 |
⚠️ Early redemption fee applies (max 2% in first 10 years, 1.5% after). Fee may be waived for home movers taking a new Avant mortgage.
🌿 Green / EcoSaver Rates (BER B3 or Better)
| Lender |
Green Rate |
Fix Term |
BER Required |
Notes |
💡 A green rate discount saves ~€10,000+ over 25 years on a €300,000 mortgage. Requires a valid BER certificate.
🔧 Specialist Lenders Non-standard borrowers
| Lender |
3-Year Fix |
5-Year Fix |
Variable |
Notes |
⚠️ Specialist lenders serve borrowers with complex income (self-employed, contractors, non-standard situations). Higher rates reflect the additional risk assessment involved.
Disclaimer: Rates are sourced directly from lender websites and verified regularly. Actual rates depend on your LTV, property type, income, credit profile, and BER certificate. This is not financial advice — always get a personalised quote from the lender.
Compare rates independently on the
CCPC Mortgage Comparison Tool →