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Mortgage Interest Rate Comparison

Standard Mortgage Average Rate (3-7yr)

Average Rate (APRC) 3 Yr4 Yr5 Yr7 Yr
Avant Money2.03%2.02%2.11%2.19%
ICS Mortgages2.78%2.99%
Finance Ireland2.66%2.60%
Haven Mortgages3.00%3.00%2.90%
AIB2.72%2.77%2.68%2.88%
KBC3.03%2.98%
EBS3.50%3.20%3.40%
Permanent TSB3.57%3.14%3.46%3.36%
Bank of Ireland3.70%3.30%3.6%
* LTV < 50%, excludes Mortgage value >€250,000, excludes Green mortgages

Standard Mortgage Average Rate (10-15yr)

Average Rate (APRC) 10 Yr15 Yr20 Yr25 Yr
Avant Money2.36%2.46%2.55%2.55%
ICS Mortgages
Finance Ireland2.53%2.47%2.55%2.71%
Haven Mortgages3.10%
AIB2.99%
KBC3.14%
EBS
Permanent TSB
Bank of Ireland3.50%
* LTV < 50%

Non Standard Mortgage Average Rate (3-7yr)

Average Rate (APRC) 3 Yr4 Yr5 Yr7 Yr
Avant Money2.03%2.02%2.11%2.19%
ICS Mortgages2.78%2.99%
Finance Ireland2.66%2.60%
Haven Mortgages2.35%3.00%2.90%
AIB2.72%2.58%2.68%2.88%
KBC3.03%2.98%
EBS2.75%3.50%2.75%
Permanent TSB3.43%3.14%3.25%3.36%
Bank of Ireland3.40%3.00%3.00%2.90%
* LTV < 50%, includes Mortgage value >€250,000 or Building Energy Rating B3+

Variable/Follow On Rates Comparison

Compare
Follow on 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 Money2.00%2.00%2.00%2.20%2.20%
ICS Mortgages2.45%2.45%2.45%2.70%2.70%
Finance Ireland2.75%2.95%2.95%2.95%3.15%
Haven Mortgages2.75%2.95%2.95%2.95%3.15%
AIB2.75%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%
EBS3.30%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

3 & 4 Year Fixed Rate APRC Comparison by LTV

3 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 Money2.03%2.03%2.06%2.23%2.25%
ICS Mortgages2.78%2.78%2.80%3.03%3.06%
Finance Ireland2.66%2.80%2.82%2.82%3.07%
Haven Mortgages3.0%3.0%3.0%3.0%3.0%
AIB2.72%2.91%2.91%3.09%3.09%
KBC3.03%3.03%3.08%3.08%3.28%
EBS3.5%3.5%3.5%3.5%3.5%
Permanent TSB3.57%3.57%3.67%3.67%3.71%
Bank of Ireland3.7%3.7%3.7%4.1%4.1%
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 Money2.02%2.02%2.06%2.23%2.23%
Haven Mortgages* 2.8%2.8%2.8%2.8%2.8%
AIB2.77%2.95%2.95%3.13%3.13%
Permanent TSB3.14%3.14%3.24%3.24%3.39%
EBS3.5%3.5%3.5%3.5%3.5%
Bank of Ireland**3.3%3.3%3.4%3.5%3.7%
*Green Rate **Over €250,000 Rate

Cash back Comparison

Compare
Cash back
Cash back MinCash back MaxCash back conditions
Avant Money€0€1,500Switcher from Ulster bank or KBC only
KBC€1,500€3,000Min = FTB/Mover non Exceptions
Max = Switchers
Haven€0€2,000Switcher only
AIB€0€2,000Switcher only
Permanent TSB0%2%2% not available to 4 year fixed term.
EBS2%3%2% on drawdown 1% after 5 years
Bank of Ireland2%3%2% on drawdown 1% after 5 years

Avant Money Short & Medium Rates

Short/Medium60% LTV70% LTV80% LTV90% LTV
Fixed TermRateAPRCRateAPRCRateAPRCRateAPRC
3 Years1.95%2.03%2.05%2.06%2.15%2.23%2.20%2.25%
4 Years1.95%2.02%2.05%2.23%2.15%2.23%2.20%2.23%
5 Years2.15%2.11%2.25%2.16%2.35%2.32%2.40%2.34%
7 Years2.25%2.19%2.35%2.26%2.45%2.40%2.55%2.46%
10 Years2.40%2.36%2.50%2.43%2.60%2.56%2.70%2.64%
AVANT MONEY RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40)

Avant Money Long Term Rates

Long Term60% LTV70% LTV80% LTV90% LTV
Fixed TermRateAPRCRateAPRCRateAPRCRateAPRC
up to 15 Years2.40%2.46%2.55%2.61%2.65%2.71%2.85%2.92%
up to 20 Years2.50%2.55%2.65%2.71%2.75%2.80%2.95%3.01%
up to 25 Years2.50%2.54%2.65%2.70%2.75%2.80%2.95%3.01%
up to 30 Years2.50%2.54%2.65%2.70%2.75%2.80%2.95%3.01%
AVANT MONEY RATES (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40)
Daire McConnon - mortgage sherpa lead

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