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Mortgage Interest Rate Comparison

Best Mortgage Rates

RankMortgage ProductAPRCApprovalSpeedRate RiskRating
1Avant Money Mortgage 15 Yr Fixed3.48%MediumGoodLow4.75
2Avant Money Mortgage 7 Yr Fixed2.81%MediumGoodMedium4.50
3Avant Money Mortgage 3 Yr Fixed2.44%MediumGoodHigh4.00
APRC is the Average Rate paid across the whole mortgage term @ LTV of <50%

Standard Mortgage Average Rate (3-7yr)

Average Mortgage Rate (APRC) at LTV <50%3 Yr4 Yr5 Yr7 Yr
Avant Money Mortgage2.44%2.50%2.60%2.81%
ICS Mortgages3.85%3.93%
Finance Ireland Mortgage5.11%5.27%
Haven Mortgages3.30%3.40%3.60%
AIB Mortgage 2.84%2.97%2.86%3.25%
EBS Mortgage3.80%3.80%
Permanent TSB Mortgage3.63%3.49%3.58%3.77%
Bank of Ireland Mortgage3.80%3.7%
APRC = Average Rate paid across the whole mortgage term, table, excludes Mortgage value >€250,000, excludes Green mortgages

Standard Mortgage Average Rate (10-15yr)

Average Rate (APRC) at LTV < 50%10 Yr15 Yr20 Yr25 Yr30 Yr
Avant Money Mortgages3.26%3.48%3.58%3.58%3.57%
ICS Mortgages
Finance Ireland Mortgages4.63%4.61%4.70%4.86%
Haven Mortgages3.70%
AIB Mortgages3.49%
EBS Mortgages
Permanent TSB Mortgages
Bank of Ireland Mortgages3.70%
APRC is the Average Rate paid across the whole mortgage term

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 Mortgage2.44%2.44%2.47%2.68%2.70%
ICS Mortgages3.85%3.85%3.86%4.09%4.13%
Finance Ireland Mortgage5.11%5.26%5.27%5.27%5.54%
Haven Mortgages3.30%3.30%3.30%3.30%3.30%
AIB Mortgage2.84%3.02%3.02%3.02%3.19%
EBS Mortgage3.80%3.80%3.80%3.80%3.80%
Permanent TSB Mortgage3.63%3.63%3.77%3.77%4.00%
Bank of Ireland Mortgage3.80%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 Mortgage2.25%2.25%2.35%2.45%2.50%
ICS Mortgages3.75%3.75%3.80%3.95%4.05%
Finance Ireland Mortgage5.45%5.45%5.50%5.50%5.85%
Haven Mortgages3.35%3.35%3.35%3.35%3.35%
AIB Mortgage2.85%2.95%2.95%2.95%3.05%
EBS Mortgage3.75%3.75%3.75%3.75%3.75%
Permanent TSB Mortgage3.15%3.15%3.25%3.25%3.85%
Bank of Ireland Mortgage3.25%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 Money2.50%2.54%2.54%2.74%2.74%
Haven Mortgages* 3.2%3.2%3.2%3.2%3.2%
AIB2.97%3.14%3.14%3.14%3.30%
Permanent TSB3.49%3.49%3.49%3.49%3.75%
EBS3.6%3.6%3.6%3.6%3.6%
Bank of Ireland**3.1%3.3%3.5%3.5%3.8%
*Green Rate **Over €250,000 Rate

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 Mortgage2.45%2.45%2.45%2.70%2.70%
ICS Mortgages3.70%3.70%3.70%3.95%3.95%
Finance Ireland4.75%4.95%4.95%4.95%5.15%
Haven Mortgages2.75%2.95%2.95%2.95%3.15%
AIB Mortgage2.75%2.95%2.95%2.95%3.15%
KBC3.00%3.00%3.05%3.05%3.3%
Ulster Bank3.50%3.50%3.70%3.70%3.90%
EBS Mortgage3.30%3.50%3.5%3.50%3.70%
Permanent TSB3.70%3.70%3.70%3.70%3.90%
Bank of Ireland3.90%3.90%4.20%4.20%4.50%
Probable follow on variable rates post fixed period based on current variable rates by provider

Cash back Comparison

Compare
Cash back
Cash back MinCash back MaxCash back conditions
Avant Money€0€0NA
Haven€0€2,000Switcher only
AIB Mortgage€0€2,000Switcher only
Permanent TSB0%2%2% not available to 4 year fixed term.
EBS Mortgage2%3%2% on drawdown 1% after 5 years
Bank of Ireland2%3%2% on drawdown 1% after 5 years

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

Average Rate (APRC) 3 Yr4 Yr5 Yr7 Yr
Avant Money Mortgages2.44%2.54%2.60%2.81%
ICS Mortgages3.85%3.93%
Finance Ireland Mortgages5.11%5.27%
Haven Mortgages3.30%3.20%*3.40%3.60%
AIB Mortgage2.84%2.77%2.74%*3.25%
EBS Mortgages3.80%3.60%*3.80%
Permanent TSB Mortgages3.58%*3.49%3.45%*3.77%*
Bank of Ireland Mortgages3.40%*3.00%*3.00%*2.90%*
LTV < 50%, * Includes Mortgage value >€250,000 or Building Energy Rating B3+

Self Build Mortgage Rates

Average Mortgage Rate (APRC) at LTV <50%3 Yr4 Yr5 Yr7 Yr
Haven Mortgages3.30%3.20%*3.40%3.60%
AIB Mortgage2.85%2.97%2.74%*3.25%
EBS Mortgage3.80%3.60%*3.80%
Permanent TSB Mortgage3.58%3.49%3.45%3.77%
Bank of Ireland Mortgage3.70%3.30%3.6%
*Green Rate, Building Energy Rating B3+

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 Mortgage6.20%6.20%6.42%7.33%
EBS Mortgage6.0%6.0%6.0%6.0%
AIB Mortgage5.64%5.64%5.64%5.64%
Permanent TSB Mortgage5.10%5.36%5.36%5.36%
Bank of Ireland Mortgage4.90%5.10%5.10%5.10%

Avant Money Short & Medium Rates

Short/Medium60% LTV70% LTV80% LTV90% LTV
Fixed TermRateAPRCRateAPRCRateAPRCRateAPRC
3 Years2.25%2.44%2.35%2.47%2.45%2.68%2.50%2.70%
4 Years2.45%2.50%2.55%2.54%2.65%2.74%2.65%2.74%
5 Years2.65%2.60%2.75%2.64%2.85%2.83%2.90%2.83%
7 Years2.95%2.81%3.05%2.87%3.15%3.04%3.25%3.10%
10 Years3.40%3.26%3.50%3.34%3.60%3.48%3.70%3.56%
AVANT MONEY RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40)

Avant Money Long Term Rates

Avant Mortgage Long Term60% LTV70% LTV80% LTV90% LTV
Fixed TermRateAPRCRateAPRCRateAPRCRateAPRC
up to 15 Years3.40%3.48%3.55%3.64%3.65%3.74%3.85%3.95%
up to 20 Years3.50%3.58%3.65%3.73%3.75%3.84%3.95%4.05%
up to 25 Years3.50%3.58%3.65%3.73%3.75%3.83%3.95%4.04%
up to 30 Years3.50%3.57%3.65%3.73%3.75%3.83%3.95%4.04%
AVANT MONEY RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40)

Finance Ireland

Progress v Progress Plus50%
LTV
60% LTV70% LTV80% LTV90% LTV
Fixed TermRateAPRCRateAPRCRateAPRCRateAPRCRateAPRC
Progress Plus 3 Years6.40%5.69%6.40%5.80%6.40%5.83%6.40%6.05%6.55%6.32%
Progress 3 Years5.45%5.11%5.45%5.26%5.50%5.27%5.50%5.27%5.85%5.54%
Progress Plus 5 Years6.55%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%
FINANCE IRELAND RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40)

Haven

Haven Mortgages Fixed ratesLTV 0-90% 
Fixed TermRateAPRC
1 Year3.15%3.20%
2 Year3.15%3.20%
3 Year2.55%3.10%
Green 4 Year2.15%2.80%
5 Year2.55%3.00%
7 Year3.15%3.20%
10 Year3.30%3.30%

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