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Best Buy Tables Mortgage Interest Rates

New Business Introductory Rates (3-10 Year)

ProviderAvant MoneyHavenBank of IrelandPTSBFinance IrelandICSAIBEBS
LTV 60%-90%Green>€250kGreen >€250KGreen>€250kGreen >€250KGreen>€250k
3 year <60%3.85%4.75%4.75%4.45%N/AN/A4.75%N/A4.55%N/A6.20%5.75%4.70%N/A5.00%
3 year <70%3.90%4.75%4.75%4.45%N/AN/A4.85%N/A4.65%N/A6.25%N/AN/AN/A5.00%
3 year <80%4.00%4.75%4.75%4.45%N/AN/A4.85%N/A4.65%N/A6.25%5.80%N/AN/A5.00%
3 year <90%4.05%4.75%4.75%4.45%N/AN/A5.10%N/A4.90%N/A6.60%5.95%N/AN/A5.00%
4 year <60%3.95%3.65%*N/AN/A3.95%3.65%4.40%N/AN/AN/AN/AN/A4.60%N/A4.20%3.75%
4 year <70%4.00%3.65%*N/AN/A3.95%3.65%4.50%N/AN/AN/AN/AN/A4.75%N/A4.35%3.75%
4 year <80%4.05%N/AN/AN/A3.95%3.65%4.00%N/AN/AN/AN/AN/AN/AN/AN/A3.75%
4 year <90%4.10%N/AN/AN/A3.95%3.65%4.75%N/AN/AN/AN/AN/A4.85%N/A4.55%3.75%
5 year <60%3.95%4.85%4.75%4.45%4.25%3.95%4.85%4.15%4.65%3.95%6.00%5.50%N/AN/A5.10%
5 year <70%4.00%4.85%4.75%4.45%4.25%3.95%4.95%4.25%4.75%4.05%6.05%5.55%4.80%3.75%5.10%
5 year <80%4.05%4.85%4.75%4.45%4.25%3.95%4.95%4.25%4.75%4.05%6.05%5.70%4.80%3.75%5.10%
5 year <90%4.10%4.85%4.75%4.45%4.25%3.95%5.20%4.50%5.00%4.30%6.45%5.79%4.85%3.85%5.10%
7 year <60%3.95%4.90%N/AN/A4.30%4.00%4.85%N/AN/AN/AN/AN/AN/AN/AN/A
7 year <70%4.00%4.90%N/AN/A4.30%4.00%4.95%N/AN/AN/AN/AN/A5.05%N/A5.15%N/A
7 year <80%4.05%4.90%N/AN/A4.30%4.00%4.95%N/AN/AN/AN/AN/AN/AN/AN/A
7 year <90%4.10%4.90%N/AN/A4.30%4.00%5.20%N/AN/AN/AN/AN/A5.15%N/AN/A
10 year <60%3.95%5.15%5.05%4.75%N/AN/AN/AN/AN/AN/AN/AN/A5.20%N/AN/AN/A
10 year <70%4.00%5.15%N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
10 year <80%4.05%5.15%5.05%4.75%N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
10 year
<90%
4.10%5.15%5.25%4.95%N/AN/AN/AN/AN/AN/AN/AN/A5.30%N/AN/AN/A
Compiled by moneysherpa.ie Correct as of 1/09/23.

Standard Mortgage Average Rate (3-7yr)

Standard Mortgage Average Rate (3-7yr) at LTV 50%
Fixed Term APRC Avant Money Haven Mortgages AIB Mortgage EBS Mortgage Permanent TSB Bank of Ireland ICS Mortgages Finance Ireland Bank of Ireland (Re-fixing)
3 Yr 3.87% 4.00% 3.82% 4.20% 4.21%% 4.90% 6.26% 4.10%
4 Yr 3.92% 3.78% 4.16%
5 Yr 3.94% 4.30% 3.93% 4.50% 4.43% 4.90% 6.20% 4.40%
7 Yr 3.97% 4.60% 4.33% 4.59%
Correct as of 01/09/23. APRC = Average Rate paid across the whole mortgage term, table, excludes Mortgage value >€250,000, excludes Green mortgages

Standard Mortgage Average Rate (10-15yr)

Standard Mortgage Average Rate (10-15yr) at LTV < 50%
APRC at LTV < 50% Avant Money Haven Mortgages AIB Mortgage EBS Mortgage Permanent TSB Bank of Ireland ICS Mortgages Finance Ireland Bank of Ireland (Re-fixing)
10 Yr 4.00% 4.70% 4.76% 5.20% 4.40%
15 Yr 3.95%
20 Yr 3.95%
25 Yr 3.95%
30 Yr 3.95%
Correct as of 01/09/23. APRC is the Average Rate paid across the whole mortgage term.

3 Year Fixed Rate APRC Comparison by LTV

3 Year Fixed Rate APRC Comparison by LTV
3 Year Fixed APRC Avant Money ICS Mortgages Finance Ireland Haven Mortgages AIB Mortgage EBS Mortgage Permanent TSB Bank of Ireland Bank of Ireland (Re-fix)
Up to 50% LTV 3.87% 6.26% 4.00% 3.55% 4.20% 4.21% 4.90% 4.40%
Up to 60% LTV 3.87% 6.69% 4.00% 3.74% 4.20% 4.21% 4.90% 4.40%
Up to 70% LTV 3.89% 6.16% 6.42% 4.00% 3.74% 4.20% 4.32% 4.90% 4.50%
Up to 80% LTV 4.06% 6.39% 6.42% 4.00% 3.63% 4.10% 4.32% 4.90% 4.50%
Up to 90% LTV 4.08% 6.43% 6.69% 4.00% 3.92% 4.20% 4.69% 4.90% 4.50%
Rates updated 01/09/23

4 Year APRC Comparison by LTV

4 Year APRC Comparison by LTV
4 Year Fixed APRC Avant Money Haven Mortgages* AIB Mortgage Permanent TSB EBS Mortgage* Bank of Ireland**
Up to 50% LTV 3.92% 3.70% 3.78% 4.16% 3.80% 4.00%
Up to 60% LTV 3.92% 3.70% 3.97% 4.16% 3.80% 3.90%
Up to 70% LTV 3.94% 3.70% 3.97% 4.26% 3.80% 4.20%
Up to 80% LTV 4.09% 3.70% 3.97% 4.26% 3.80% 4.10%
Up to 90% LTV 4.11% 3.70% 4.14% 4.62% 3.8% 4.40%
*Green Rate, rates updated 01/09/23

3 Year Introductory Comparison by LTV

3 Year Introductory Comparison by LTV
3 Year Fixed Mortgage Rate Avant Money ICS Mortgages Finance Ireland Haven Mortgages AIB Mortgage EBS Mortgage Permanent TSB Bank of Ireland
Up to 50% LTV 3.85% -% 6.20% 4.75% 4.55% 5.00% 4.75% 4.50%
Up to 60% LTV 3.85% -% 6.20% 4.75% 4.70% 5.00% 4.75% 4.75%
Up to 70% LTV 3.90% 5.80% 6.25% 4.75% 4.70% 5.00% 4.85% 4.75%
Up to 80% LTV 4.00% 5.95% 6.25% 4.75% 4.70% 5.00% 4.85% 4.75%
Up to 90% LTV 4.05% 6.05% 6.60% 4.75% 4.80% 5.00% 5.10% 4.75%
*Green Rate, rates updated 01/09/23

Variable/Follow On Rates Comparison

Variable/Follow On Rates Comparison
Follow on Variable Rate Avant Money ICS Mortgages Finance Ireland Haven Mortgages AIB Mortgage Ulster Bank EBS Mortgage Permanent TSB Bank of Ireland
Up to 50% LTV 3.75% 6.20% 6.40% 3.75% 3.75% 3.50% 4.15% 3.80% 3.90%
Up to 60% LTV 3.75% 5.95% 6.20% 3.95% 3.95% 3.50% 4.15% 4.10% 3.90%
Up to 70% LTV 3.75% 6.95% 6.20% 3.95% 3.95% 3.70% 4.15% 4.20% 4.20%
Up to 80% LTV 3.95% 6.20% 6.20% 4.15% 3.95% 3.70% 4.15% 4.25% 4.20%
Up to 90% LTV 3.95% 6.20% 5.15% 4.15% 4.15% 3.90% 3.70% 4.30% 4.50%
*Probable follow on variable rates post fixed period based on current variable rates by provider, rates updated 1/09/23

Green & High Value Average Rates (3-7yr)

Green and High Value Average Rates at LTV < 50%
APRC Avant Mortgage ICS Mortgages Finance Ireland Haven Mortgages AIB Mortgage EBS Mortgage Permanent TSB Bank of Ireland
3 Yr 3.87% 6.43% 6.26% 4.00% 3.82% 4.20% 4.25% 4.60%
4 Yr 3.92% 3.70%* 3.61%* 3.80%* 3.89% 3.90%*
5 Yr 3.94% 6.26% 7.42% 4.30% 3.81%* 4.50% 4.13%* 4.00%*
7 Yr 3.97% 4.60% 4.33% 4.35% 4.10%*
LTV < 50%, *Includes Mortgage value >€250,000 or Building Energy Rating B3+, rates updated 01/09/23/

Cash back Comparison

Compare Cash back Cash back Min Cash back Max Cash back Conditions
Avant Money Mortgage €0 €1,500 Switcher over €200,000 with One Mortgage
Haven Mortgages €0 €2,000 Switcher Only
AIB Mortgage €0 €2,000 Switcher Only
Permanent TSB 0% 2% 2% not available to 4 year fixed term.
EBS Mortgage 2% 3% 2% on drawdown 1% after 5 years.
Bank of Ireland 2% 3% 2% on drawdown 1% after 5 years.

Rates updated 26/05/23

Self Build Mortgage Rates

Self Build Rates at LTV < 90%
APRC Haven Mortgages AIB Mortgage EBS Mortgage Permanent TSB Bank of Ireland
3 Yr 4.00% 3.92% 4.20% 3.74% 4.60%*
4 Yr 3.65% 4.01% 3.80% 3.58% 4.30%**
5 Yr 4.30% 4.33% 4.20% 3.66%* 4.50%*
7 Yr 4.60% 4.65% 3.87% 4.30%*
*Includes Green Rate Where Applicable, Building Energy Rating B3+ **high value mortgage. APRC = Average mortgage rate paid across the whole mortgage term.Correct as of 26/07/23.

Buy to Let 5 Year Mortgage Rates

Buy to Let 5 Year Fixed Mortgage Rate (APRC)
5 Year Fixed Rate (APRC) EBS Mortgage AIB Mortgage Permanent TSB Bank of Ireland
Up to 50% LTV 6.60% 6.89% 5.26% 6.70%
Up to 60% LTV 6.60% 6.89% 5.26% 6.90%
Up to 70% LTV 6.60% 6.89% 5.26% 7.00%
Up to 80% LTV 6.60% 6.89%
Rates updated 26/07/23 *Green Rates only

Best Rate Alternatives

Logo 1 Best Buy

Avant Money Mortage

  • From 3.87% aprc
  • Years Fixed: 3-30
  • Approval: Fast
Logo 3 Green Rate

Bank of Ireland

  • From 3.60% aprc
  • Years Fixed: 3-10
  • Approval: Slow
Logo 2 Green Rate

Haven Mortgages

  • From 3.70% aprc
  • Years Fixed: 3-10
  • Approval: Slow

Avant Money Short & Medium Rates

Avant Money Short/Medium Term Fixed Rates – LTV 60%
Short Term Fixed Rate LTV 60% Fixed Rate Fixed APRC
3 Years 3.85% 3.87%
4 Years 3.95% 3.92%
5 Years 3.95% 3.94%
7 Years 3.95% 3.97%
10 Years 3.95% 4.00%
AVANT MONEY RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40), rates updated 01/09/2023
Avant Money Short/Medium Term Fixed Rates – LTV 70%
Short Term Fixed Rate LTV 70% Fixed Rate Fixed APRC
3 Years 3.90% 3.89%
4 Years 4.00% 3.94%
5 Years 4.00% 3.96%
7 Years 4.00% 4.00%
10 Years 4.00% 4.04%
AVANT MONEY RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40), rates updated 01/09/2023
Avant Money Short/Medium Term Fixed Rates – LTV 80%
Short Term Fixed Rate LTV 80% Fixed Rate Fixed APRC
3 Years 4.00% 4.06%
4 Years 4.05% 4.09%
5 Years 4.05% 4.09%
7 Years 4.05% 4.11%
10 Years 4.10% 4.17%
AVANT MONEY RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40), rates updated 01/09/2023
Avant Money Short/Medium Term Fixed Rates – LTV 90%
Short Term Fixed Rate LTV 90% Fixed Rate Fixed APRC
3 Years 4.05% 4.08%
4 Years 4.10% 4.11%
5 Years 4.10% 4.12%
7 Years 4.10% 4.14%
10 Years 4.10% 4.17%
AVANT MONEY RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40), rates updated 01/09/2023

Avant Money Long Term Rates

Avant Money Long Term Fixed Rates (LTV)
Fixed Term Rates 15-30 Years Rate APRC
60% LTV 3.95% 4.05%
70% LTV 4.00% 4.11%
80% LTV 4.05% 4.16%
90% LTV 4.10% 4.21%
AVANT MONEY RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40), rates updated 26/05/2023

Finance Ireland

Finance Ireland Progressive vs Progressive Plus – 50% LTV
Fixed Rate LTV 50% Fixed Rate Fixed APRC
Progressive Plus 3 Years 7.15% 6.85%
Progressive 3 Years 6.20% 6.26%
Progressive Plus 5 Years 7.05% 6.94%
Progressive 5 Years 6.00% 6.20%
FINANCE IRELAND RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40), rates updated 15/02/23
Finance Ireland Progressive vs Progressive Plus – 60% LTV
Fixed Rate LTV 60% Fixed Rate Fixed APRC
Progressive Plus 3 Years 7.15% 6.67%
Progressive 3 Years 6.20% 6.23%
Progressive Plus 5 Years 7.05% 6.89%
Progressive 5 Years 6.00% 6.17%
FINANCE IRELAND RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40), rates updated 15/02/23
Finance Ireland Progressive vs Progressive Plus – 70% LTV
Fixed Rate LTV 70% Fixed Rate Fixed APRC
Progressive Plus 3 Years 6.78% 6.81%
Progressive 3 Years 6.25% 6.25%
Progressive Plus 5 Years 7.05% 6.92%
Progressive 5 Years 6.05% 6.20%
FINANCE IRELAND RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40), rates updated 15/02/23
Finance Ireland Progressive vs Progressive Plus – 80% LTV
Fixed Rate LTV 80% Fixed Rate Fixed APRC
Progressive Plus 3 Years 7.15% 7.03%
Progressive 3 Years 6.25% 6.25%
Progressive Plus 5 Years 7.05% 7.08%
Progressive 5 Years 6.05% 6.20%
FINANCE IRELAND RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40), rates updated 15/02/23
Finance Ireland Progressive vs Progressive Plus – 90% LTV
Fixed Rate LTV 90% Fixed Rate Fixed APRC
Progressive Plus 3 Years 7.30% 7.29%
Progressive 3 Years 6.60% 6.51%
Progressive Plus 5 Years 7.15% 7.29%
Progressive 5 Years 6.45% 6.51%
FINANCE IRELAND RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40), rates updated 15/02/23

Haven

Haven Mortgages Fixed Rate LTV 0-90%
Fixed Rate LTV 0-90% Fixed Rate Fixed APRC
1 Yr 4.55% 3.70%
2 Yr 4.65% 3.90%
3 Yr 4.75% 4.00%
Green 4 Yr 3.65% 3.70%
5 Yr 4.85% 4.30%
7 Yr 5.05% 4.60%
10 Yr 5.15% 4.70%
Correct as of 31/06/23.
Haven Mortgage LTV Variable Rates
LTV Rate
LTV ≤ 50% 3.10%
LTV > 50% and < 80% 3.30%
LTV > 80% 3.50%
Top Up / Equity Release 3.50%
Correct as of 31/06/23.

Credit Union

Credit Union 3 Year Fixed Rate
Provider Rate APRC
Members First CU 3.5% 4.1%
ICS Mortgages 1.95% 2.38%
Typical Credit Union Mortgages Rates vs Other Lenders
Credit Union 3 Year Variable Rate
Provider Rate APRC
Members First CU 4.25% 4.33%
ICS Mortgages 2.45% 2.53%
Typical Credit Union Mortgages Rates vs Other Lenders

Best Buy Mortgage

Rank Mortgage Product Rate Value Repayment Security Ease of Approval Approval Speed Overall Rating
#1. Avant Money Mortgage 10-30 Yr Fixed 4.25 5.0 4.0 5.0 4.58
#2. Avant Money Mortgage 7 Yr Fixed 4.25 3.5 4.0 5.0 4.13
#3. Haven Mortgage 10 Yr Fixed 3.5 4.0 3.5 5.0 3.95
#4. Avant Money Mortgage 5 Yr Fixed 4.5 2.5 4.0 5.0 3.90
#5. Haven Mortgage 7 Yr Fixed 4.0 3.5 3.5 3.0 3.55

Rating Weighting: Rate 30%, Security 30%, Approval 20%, Speed 20%, updated 26/05/2023

Best Saving Accounts

Best Instant & Notice Savings Accounts
Best Instant & Notice Savings Accounts Bunq Revolut AIB Bank of Ireland Permanent TSB State Savings
Savings Rate (AER) 1.56% 0.00% 0.10% 0.00% 0.01% N/A%
Conditions upto €100,000 upto €100,000 no limit no limit no limit NA
Correct as of 29/05/23. AER = Annual Equivalent Rate
Best Fixed Term Savings Accounts
Best Fixed Term Saving Accounts Bunq Raisin AIB Bank of Ireland Permanent TSB State Savings
Savings Rate (AER) 1.56% 4.21% 1.75% 1.50% 1.5% 0.33%
Term Instant 1 Year 1 Year 1 Year 1 Year 3 Year
Conditions upto €100,000 upto €100,000 €15,000 – no limit €5,000 – no limit €5,000 – no limit €50 – €120,000
Correct as of 01/09/23. AER = Annual Equivalent Rate
Best Raisin Savings Accounts
Best Raisin Saving Accounts Banco Portuges BFF Youunited Banca Privata BluOr Bank J&T Banka
Savings Rate (AER) 3.6% 3.50% 2.95% 2.90% 2.80% 2.40%
Term 1 Year 1 Year 1 Year 1 Year 1 Year 1 Year
Conditions €20,000-€100,000 €5,000-€100,000 €2,000-€100,000 €5,000-€100,000 €1-€100,000 €10,000-€100,000
Correct as of 29/05/23. AER = Annual Equivalent Rate
Instant AccessAPRPrincipalYearsCumulativeCumulative InterestNet of DIRTIncrease Over Irish Banks
AIB0.10%€10,0003€10,030.04€30€10,020
Bunq1.56%€10,0003€10,478.81€479€10,321€301
AIB0.10%€25,0003€25,075.11€75€25,050
Bunq1.56%€25,0003€26,197.01€1,197€25,802€752
AIB0.10%€50,0003€50,150.22€150€50,101
Bunq1.56%€50,0003€52,394.03€2,394€51,604€1,503
Rates at 1/09/2023
3 Year TermAPRPrincipalYearsCumulativeCumulative InterestNet of DIRTIncrease Over Irish Banks
PTSB2.00%€10,0003€10,618€618€10,414
YOUNITED3.35%€10,0003€11,056€1,056€10,707€293
PTSB2.00%€25,0003€26,545€1,545€26,035
YOUNITED3.35%€25,0003€27,639€2,639€26,768€733
PTSB2.00%€50,0003€53,089€3,089€52,070
YOUNITED3.35%€50,0003€55,278€5,278€53,537€1,467
Updated 1/09/23

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