Best Mortgage Rates
| Rank | Mortgage Product | APRC | Approval | Speed | Rate Risk | Rating |
|---|---|---|---|---|---|---|
| 1 | Avant Money Mortgage 15 Yr Fixed | 3.48% | Medium | Good | Low | 4.75 |
| 2 | Avant Money Mortgage 7 Yr Fixed | 2.81% | Medium | Good | Medium | 4.50 |
| 3 | Avant Money Mortgage 3 Yr Fixed | 2.44% | Medium | Good | High | 4.00 |
Standard Mortgage Average Rate (3-7yr)
| Average Mortgage Rate (APRC) at LTV <50% | 3 Yr | 4 Yr | 5 Yr | 7 Yr |
| Avant Money Mortgage | 2.44% | 2.50% | 2.60% | 2.81% |
| ICS Mortgages | 3.85% | – | 3.93% | – |
| Finance Ireland Mortgage | 5.11% | – | 5.27% | – |
| Haven Mortgages | 3.30% | – | 3.40% | 3.60% |
| AIB Mortgage | 2.84% | 2.97% | 2.86% | 3.25% |
| EBS Mortgage | 3.80% | – | 3.80% | – |
| Permanent TSB Mortgage | 3.63% | 3.49% | 3.58% | 3.77% |
| Bank of Ireland Mortgage | 3.80% | – | 3.7% | – |
Standard Mortgage Average Rate (10-15yr)
| Average Rate (APRC) at LTV < 50% | 10 Yr | 15 Yr | 20 Yr | 25 Yr | 30 Yr |
| Avant Money Mortgages | 3.26% | 3.48% | 3.58% | 3.58% | 3.57% |
| ICS Mortgages | – | – | – | – | |
| Finance Ireland Mortgages | 4.63% | 4.61% | 4.70% | 4.86% | |
| Haven Mortgages | 3.70% | – | – | – | |
| AIB Mortgages | 3.49% | – | – | – | |
| EBS Mortgages | – | – | – | – | |
| Permanent TSB Mortgages | – | – | – | – | |
| Bank of Ireland Mortgages | 3.70% | – | – | – |
3 Year Fixed Rate APRC Comparison by LTV
| 3 Year Fixed Mortgage Rate APRC | up to 50% LTV | up to 60% LTV | up to 70% LTV | up to 80% LTV | up to 90% LTV |
| Avant Money Mortgage | 2.44% | 2.44% | 2.47% | 2.68% | 2.70% |
| ICS Mortgages | 3.85% | 3.85% | 3.86% | 4.09% | 4.13% |
| Finance Ireland Mortgage | 5.11% | 5.26% | 5.27% | 5.27% | 5.54% |
| Haven Mortgages | 3.30% | 3.30% | 3.30% | 3.30% | 3.30% |
| AIB Mortgage | 2.84% | 3.02% | 3.02% | 3.02% | 3.19% |
| EBS Mortgage | 3.80% | 3.80% | 3.80% | 3.80% | 3.80% |
| Permanent TSB Mortgage | 3.63% | 3.63% | 3.77% | 3.77% | 4.00% |
| Bank of Ireland Mortgage | 3.80% | 3.80% | 3.70% | 4.20% | 4.20% |
3 Year Introductory Comparison by LTV
| 3 Year Fixed Mortgage Rates | up to 50% LTV | up to 60% LTV | up to 70% LTV | up to 80% LTV | up to 90% LTV |
| Avant Money Mortgage | 2.25% | 2.25% | 2.35% | 2.45% | 2.50% |
| ICS Mortgages | 3.75% | 3.75% | 3.80% | 3.95% | 4.05% |
| Finance Ireland Mortgage | 5.45% | 5.45% | 5.50% | 5.50% | 5.85% |
| Haven Mortgages | 3.35% | 3.35% | 3.35% | 3.35% | 3.35% |
| AIB Mortgage | 2.85% | 2.95% | 2.95% | 2.95% | 3.05% |
| EBS Mortgage | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% |
| Permanent TSB Mortgage | 3.15% | 3.15% | 3.25% | 3.25% | 3.85% |
| Bank of Ireland Mortgage | 3.25% | 3.25% | 3.25% | 3.25% | 3.25% |
4 Year APRC Comparison by LTV
| 4 Year Fixed APRC Comparison | up to 50% LTV | up to 60% LTV | up to 70% LTV | up to 80% LTV | up to 90% LTV |
| Avant Money | 2.50% | 2.54% | 2.54% | 2.74% | 2.74% |
| Haven Mortgages* | 3.2% | 3.2% | 3.2% | 3.2% | 3.2% |
| AIB | 2.97% | 3.14% | 3.14% | 3.14% | 3.30% |
| Permanent TSB | 3.49% | 3.49% | 3.49% | 3.49% | 3.75% |
| EBS | 3.6% | 3.6% | 3.6% | 3.6% | 3.6% |
| Bank of Ireland** | 3.1% | 3.3% | 3.5% | 3.5% | 3.8% |
Variable/Follow On Rates Comparison
Follow on/Variable Mortgage Rates | up to 50% LTV Follow on Rate | up to 60% LTV Follow on Rate | up to 70% LTV Follow on Rate | up to 80% LTV Follow on Rate | up to 90% LTV Follow on Rate |
| Avant Mortgage | 2.45% | 2.45% | 2.45% | 2.70% | 2.70% |
| ICS Mortgages | 3.70% | 3.70% | 3.70% | 3.95% | 3.95% |
| Finance Ireland | 4.75% | 4.95% | 4.95% | 4.95% | 5.15% |
| Haven Mortgages | 2.75% | 2.95% | 2.95% | 2.95% | 3.15% |
| AIB Mortgage | 2.75% | 2.95% | 2.95% | 2.95% | 3.15% |
| KBC | 3.00% | 3.00% | 3.05% | 3.05% | 3.3% |
| Ulster Bank | 3.50% | 3.50% | 3.70% | 3.70% | 3.90% |
| EBS Mortgage | 3.30% | 3.50% | 3.5% | 3.50% | 3.70% |
| Permanent TSB | 3.70% | 3.70% | 3.70% | 3.70% | 3.90% |
| Bank of Ireland | 3.90% | 3.90% | 4.20% | 4.20% | 4.50% |
Cash back Comparison
| Compare Cash back | Cash back Min | Cash back Max | Cash back conditions |
| Avant Money | €0 | €0 | NA |
| Haven | €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 |
Green & High Value Average Rates (3-7yr)
| Average Rate (APRC) | 3 Yr | 4 Yr | 5 Yr | 7 Yr |
| Avant Money Mortgages | 2.44% | 2.54% | 2.60% | 2.81% |
| ICS Mortgages | 3.85% | – | 3.93% | – |
| Finance Ireland Mortgages | 5.11% | – | 5.27% | – |
| Haven Mortgages | 3.30% | 3.20%* | 3.40% | 3.60% |
| AIB Mortgage | 2.84% | 2.77% | 2.74%* | 3.25% |
| EBS Mortgages | 3.80% | 3.60%* | 3.80% | – |
| Permanent TSB Mortgages | 3.58%* | 3.49% | 3.45%* | 3.77%* |
| Bank of Ireland Mortgages | 3.40%* | 3.00%* | 3.00%* | 2.90%* |
Self Build Mortgage Rates
| Average Mortgage Rate (APRC) at LTV <50% | 3 Yr | 4 Yr | 5 Yr | 7 Yr |
| Haven Mortgages | 3.30% | 3.20%* | 3.40% | 3.60% |
| AIB Mortgage | 2.85% | 2.97% | 2.74%* | 3.25% |
| EBS Mortgage | 3.80% | 3.60%* | 3.80% | – |
| Permanent TSB Mortgage | 3.58% | 3.49% | 3.45% | 3.77% |
| Bank of Ireland Mortgage | 3.70% | 3.30% | 3.6% | – |
Buy to Let 5 Year Mortgage Rates
| 5 Yr Fixed Mortgage Rate APRC | up to 50% LTV | up to 60% LTV | up to 70% LTV | up to 80% LTV |
| Finance Ireland Mortgage | 6.20% | 6.20% | 6.42% | 7.33% |
| EBS Mortgage | 6.0% | 6.0% | 6.0% | 6.0% |
| AIB Mortgage | 5.64% | 5.64% | 5.64% | 5.64% |
| Permanent TSB Mortgage | 5.10% | 5.36% | 5.36% | 5.36% |
| Bank of Ireland Mortgage | 4.90% | 5.10% | 5.10% | 5.10% |
Avant Money Short & Medium Rates
| Short/Medium | 60% LTV | 70% LTV | 80% LTV | 90% LTV | ||||
| Fixed Term | Rate | APRC | Rate | APRC | Rate | APRC | Rate | APRC |
| 3 Years | 2.25% | 2.44% | 2.35% | 2.47% | 2.45% | 2.68% | 2.50% | 2.70% |
| 4 Years | 2.45% | 2.50% | 2.55% | 2.54% | 2.65% | 2.74% | 2.65% | 2.74% |
| 5 Years | 2.65% | 2.60% | 2.75% | 2.64% | 2.85% | 2.83% | 2.90% | 2.83% |
| 7 Years | 2.95% | 2.81% | 3.05% | 2.87% | 3.15% | 3.04% | 3.25% | 3.10% |
| 10 Years | 3.40% | 3.26% | 3.50% | 3.34% | 3.60% | 3.48% | 3.70% | 3.56% |
Avant Money Long Term Rates
| Avant Mortgage Long Term | 60% LTV | 70% LTV | 80% LTV | 90% LTV | ||||
| Fixed Term | Rate | APRC | Rate | APRC | Rate | APRC | Rate | APRC |
| up to 15 Years | 3.40% | 3.48% | 3.55% | 3.64% | 3.65% | 3.74% | 3.85% | 3.95% |
| up to 20 Years | 3.50% | 3.58% | 3.65% | 3.73% | 3.75% | 3.84% | 3.95% | 4.05% |
| up to 25 Years | 3.50% | 3.58% | 3.65% | 3.73% | 3.75% | 3.83% | 3.95% | 4.04% |
| up to 30 Years | 3.50% | 3.57% | 3.65% | 3.73% | 3.75% | 3.83% | 3.95% | 4.04% |
Finance Ireland
| Progress v Progress Plus | 50% LTV | 60% LTV | 70% LTV | 80% LTV | 90% LTV | |||||
| Fixed Term | Rate | APRC | Rate | APRC | Rate | APRC | Rate | APRC | Rate | APRC |
| Progress Plus 3 Years | 6.40% | 5.69% | 6.40% | 5.80% | 6.40% | 5.83% | 6.40% | 6.05% | 6.55% | 6.32% |
| Progress 3 Years | 5.45% | 5.11% | 5.45% | 5.26% | 5.50% | 5.27% | 5.50% | 5.27% | 5.85% | 5.54% |
| Progress Plus 5 Years | 6.55% | 6.01% | 6.55% | 6.09% | 6.55% | 6.12% | 6.55% | 6.28% | 6.65% | 6.49% |
| Progress 5 Years | 5.50% | 5.27% | 5.50% | 5.37% | 5.55% | 5.40% | 5.55% | 5.40% | 5.95% | 5.72% |
