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Best Buy Tables Mortgage Interest Rates

Static Savings Tables

Best Saving Accounts

Best Instant Saving Accounts	Bunq	Raisin	AIB	N26	Trade Republic	Revolut
Savings Rate (AER)	2.26%	2.90%	0.25%	1.3%	2.5%	1.70%
Term	Instant	Instant	Instant	Instant	Instant	Instant
Conditions	upto €100,000	upto €100,000	no limit	no limit	upto €50,000	upto €100,000

_{Correct as of 29/05/25. AER = Annual Equivalent Rate}

Best Fixed Term Saving Accounts	Bunq	Raisin	AIB	Bank of Ireland	Permanent TSB	State Savings
Savings Rate (AER)	2.26%	2.90%	2.75%	2.50%	2.5%	1.32%
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 25/05/25. AER = Annual Equivalent Rate}

Best Raisin Savings Accounts
Best Raisin Saving Accounts	Banco Portuges	CA Autobank	Youunited	Banca Privata	TF Bank AB	A&G Banco
Savings Rate (AER)	2.90%	2.67%	2.67%	2.27%	2.25%	2.62%
Term	5 Year	6 Months	3 Year	6 Months	1 Year	3 Months
Conditions	€1,000-€100,000	€30,000-€100,000	€2,000-€100,000	€5,000-€100,000	€1-€100,000	€20,000-€100,000
Click to Apply	Invest Now	Invest Now	Invest Now	Invest Now	Invest Now	Invest Now

_{Correct as of 25/03/25. AER = Annual Equivalent Rate}

Instant Access	APR	Principal	Years	Cumulative	Cumulative Interest	Net of DIRT	Increase Over Irish Banks
Average Rate Ireland	0.11%	€10,000	3	€10,033	€33	€10,022
Bunq	3.36%	€10,000	3	€11,059	€1,059	€10,710	€687
AIB (Best Ireland Rate)	0.25%	€10,000	3	€10,075	€75	€10,050
Bunq	3.36%	€10,000	3	€11,059	€1,059	€10,710	€659

_{Rates at 19/07/2024}

3 Year Term	APR	Principal	Years	Cumulative	Cumulative Interest	Net of DIRT	Increase Over Irish Banks
PTSB	2.00%	€10,000	3	€10,618	€618	€10,414
Raisin.ie	3.35%	€10,000	3	€11,056	€1,056	€10,707	€293
PTSB	2.00%	€25,000	3	€26,545	€1,545	€26,035
Raisin.ie	3.35%	€25,000	3	€27,639	€2,639	€26,768	€733
PTSB	2.00%	€50,000	3	€53,089	€3,089	€52,070
Raisin.ie	3.35%	€50,000	3	€55,278	€5,278	€53,537	€1,467

_{Updated 1/09/23}

Static Mortgage Tables

Best Rate Alternatives

Best Buys

Avant Money Mortage

From 3.61%^aprc
Years Fixed: 3-30
Approval Policy: Tight

Best Buys

Haven Mortage

From 4.00%^aprc
Years Fixed: 3
Approval Policy: Complex

Best Buys

Bank of Ireland

From 3.90%^aprc
Years Fixed: 4
Approval Policy: Flexible

Cash back Comparison

Compare Cash back	Cash back Min	Cash back Max	Cash back Conditions
MoCo	1%	1%	Switcher
Avant	1%	1%	All until 31/12/2025
Haven Mortgages	€3,000	€5,000	Switcher, €5,000=>€250,000 not 4yr green rate
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}

Credit Union

Best Credit Union Fixed Rates Dublin
Provider	Rate	APRC
Members First CU 3 year	4.50%	4.60%
Capital Credit Union 5 year	4.50%	4.11%
Core Credit Union all year	5.00%	5.00%

_{Typical Credit Union Mortgages Fixed Rates 18/12/2023}

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 26/09/2023}

Dynamic Mortgage Tables

New Business Introductory Rates (3-10 Year)

New Business Introductory Rates (3–10 Year)
Period / LTV	Bank of Ireland				Permanent TSB				AIB			Avant Money	EBS	Haven	ICS Mortgages	MoCo	Nua Money
Period / LTV	BER C <€250k	BER C ≥€250k	BER A <€250k	BER A ≥€250k	Std	Green <€250k	≥€250k	Green ≥€250k	Std	Green	≥€250k
3 Year Fixed
≤ 60%	4.00%	—	3.90%	—	3.65%	3.45%	3.45%	3.35%	3.65%	3.00%	3.45%	3.60%	4.50%	4.25%	3.85%	3.60%	3.60%
≤ 70%	4.00%	—	3.90%	—	3.80%	3.60%	3.55%	3.50%	3.80%	3.10%	3.55%	3.60%	4.50%	4.25%	4.10%	3.65%	3.90%
≤ 80%	4.00%	—	3.90%	—	3.80%	3.60%	3.55%	3.50%	3.80%	3.10%	3.55%	3.60%	4.50%	4.25%	4.20%	3.75%	4.85%
≤ 90%	4.00%	—	3.90%	—	4.20%	4.00%	4.05%	3.90%	4.20%	3.20%	4.05%	3.95%	4.50%	4.25%	4.20%	3.95%	4.85%
4 Year Fixed
≤ 60%	—	3.20%	—	3.10%	3.00%	—	3.70%	—	3.00%	—	3.70%	3.40%	3.55%	3.45%	—	—	—
≤ 70%	—	3.20%	—	3.10%	3.40%	—	3.85%	—	3.40%	—	3.85%	3.40%	3.55%	3.45%	—	—	—
≤ 80%	—	3.20%	—	3.10%	3.40%	—	3.85%	—	3.40%	—	3.85%	3.40%	3.55%	3.45%	—	—	—
≤ 90%	—	3.20%	—	3.10%	3.80%	—	4.05%	—	3.80%	—	4.05%	3.65%	3.55%	3.45%	—	—	—
5 Year Fixed
≤ 60%	4.00%	3.50%	3.90%	3.40%	3.65%	3.45%	3.45%	3.35%	3.65%	3.20%	3.45%	3.80%	4.60%	4.35%	4.25%	3.60%	3.65%
≤ 70%	4.00%	3.50%	3.90%	3.40%	3.80%	3.60%	3.55%	3.50%	3.80%	3.30%	3.55%	3.80%	4.60%	4.35%	4.25%	3.65%	3.95%
≤ 80%	4.00%	3.50%	3.90%	3.40%	3.80%	3.60%	3.55%	3.50%	3.80%	3.30%	3.55%	3.80%	4.60%	4.35%	4.40%	3.75%	4.75%
≤ 90%	4.00%	3.50%	3.90%	3.40%	4.20%	4.00%	4.05%	3.90%	4.20%	3.40%	4.05%	3.95%	4.60%	4.35%	4.40%	3.95%	4.75%
7 Year Fixed
≤ 60%	—	3.55%	—	3.45%	3.65%	—	—	—	3.65%	—	—	3.80%	—	4.55%	—	—	—
≤ 70%	—	3.55%	—	3.45%	3.80%	—	—	—	3.80%	—	—	3.80%	—	4.55%	—	—	—
≤ 80%	—	3.55%	—	3.45%	4.55%	—	—	—	4.55%	—	—	3.80%	—	4.55%	—	—	—
≤ 90%	—	3.55%	—	3.45%	4.20%	—	—	—	4.20%	—	—	3.95%	—	4.55%	—	—	—
10 Year Fixed
≤ 60%	4.30%	—	4.20%	—	4.55%	—	—	—	4.55%	—	—	3.80%	—	4.65%	—	—	—
≤ 70%	4.30%	—	4.20%	—	4.70%	—	—	—	4.70%	—	—	3.80%	—	4.65%	—	—	—
≤ 80%	4.30%	—	4.20%	—	4.70%	—	—	—	4.70%	—	—	3.80%	—	4.65%	—	—	—
≤ 90%	4.30%	—	4.20%	—	4.80%	—	—	—	4.80%	—	—	3.95%	—	4.65%	—	—	—

Compiled by Moneysherpa correct as of: 28/06/2025

Standard Mortgage Average Rate (3-7yr)

Standard Mortgage Average Rate (3-7yr) at LTV 50%
Fixed Term APRC	AIB	Avant Money	Bank of Ireland	EBS	Haven	ICS Mortgages	MoCo	Nua Money	Permanent TSB
3 yr	3.93%	3.79%	4.20%*	4.40%	4.30%	4.46%	3.94%	4.60%	4.29%
4 yr	3.98%	3.70%	—	—	—	—	—	—	3.96%
5 yr	4.03%	3.97%	4.20%*	4.50%	4.40%	4.54%	3.88%	4.41%	4.16%
7 yr	4.25%	3.95%	—	—	4.60%	—	—	—	4.05%

Compiled by Moneysherpa correct as of: 28/06/2025

Notes: APRC is the Average Rate paid across the whole mortgage term, table excludes Mortgage value >€250,000, excludes Green Mortgages, *BoI rate based on C BER Rating.

Standard Mortgage Average Rate (10-15yr)

Standard Mortgage Average Rate (10–15 yr) at LTV ≤ 50%
APRC at LTV <50%	AIB	Avant Money	Bank of Ireland	Haven
10 yr	4.49%	3.92%	4.40%	4.60%
15 yr	—	3.48%	—	—

Compiled by Moneysherpa correct as of: 28/06/2025

Notes: APRC is the Average Rate paid across the whole mortgage term. BoI rate based on C BER

3 Year Fixed Rate APRC Comparison by LTV

3 Year Fixed Rate APRC Comparison by LTV
3 Year Fixed APRC	AIB	Avant Money	Bank of Ireland	EBS	Haven	ICS Mortgages	MoCo	Nua Money	Permanent TSB
Up to 50% LTV	3.93%	3.79%	4.20%*	4.40%	4.30%	4.46%	3.94%	4.60%	4.29%
Up to 60% LTV	4.12%	3.79%	4.20%*	4.40%	4.30%	4.46%	3.96%	4.70%	4.29%
Up to 70% LTV	4.12%	3.79%	4.20%*	4.40%	4.30%	4.54%	3.99%	5.01%	4.41%
Up to 80% LTV	4.12%	3.93%	4.20%*	4.40%	4.30%	4.57%	4.05%	5.01%	4.41%
Up to 90% LTV	4.30%	4.05%	4.20%*	4.40%	4.30%	4.57%	—	—	4.68%

Compiled by Moneysherpa correct as of: 28/06/2025

Notes: *BoI rate based on C BER Rating.

4 Year APRC Comparison by LTV

4 Year Fixed Rate APRC Comparison by LTV
4 Year Fixed APRC	AIB	Avant Money	EBS	Haven	Permanent TSB
Up to 50% LTV	3.98%	3.70%	4.00%	4.00%	3.96%
Up to 60% LTV	4.17%	3.70%	4.00%	4.00%	3.96%
Up to 70% LTV	4.17%	3.70%	4.00%	4.00%	4.18%
Up to 80% LTV	4.17%	3.82%	4.00%	4.00%	4.18%
Up to 90% LTV	4.33%	3.98%	4.00%	4.00%	4.47%

Compiled by Moneysherpa correct as of: 28/06/2025

Notes: EBS and Haven based on Green Rate

3 Year Introductory Comparison by LTV

3 Year Introductory Rate Comparison by LTV
3 Year Rate	AIB	Avant Money	Bank of Ireland	EBS	Haven	ICS Mortgages	MoCo	Nua Money	Permanent TSB
Up to 50% LTV	4.05%	3.60%	3.50%*	4.50%	4.25%	3.85%	3.60%	4.60%	3.65%
Up to 60% LTV	4.20%	3.60%	3.50%*	4.50%	4.25%	3.85%	3.60%	3.60%	3.65%
Up to 70% LTV	4.20%	3.60%	3.50%*	4.50%	4.25%	4.10%	3.65%	3.90%	3.80%
Up to 80% LTV	4.20%	3.60%	3.50%*	4.50%	4.25%	4.20%	3.75%	4.85%	3.80%
Up to 90% LTV	4.30%	3.95%	3.50%*	4.50%	4.25%	4.20%	3.95%	4.85%	4.20%

Compiled by Moneysherpa correct as of: 28/06/2025

Notes: *BoI rate based on C BER Rating.

Variable/Follow On Rates Comparison

Variable/Follow On Rate Comparison by LTV
Variable Rate	AIB	Avant Money	Bank of Ireland	EBS	Haven	ICS Mortgages	Permanent TSB
Up to 50% LTV	3.75%	3.75%	4.15%	3.75%	3.75%	4.50%	4.40%
Up to 60% LTV	3.95%	3.75%	4.15%	3.95%	3.95%	4.50%	4.40%
Up to 70% LTV	3.95%	3.75%	4.15%	3.95%	3.95%	4.50%	4.50%
Up to 80% LTV	3.95%	3.95%	4.15%	3.95%	3.95%	4.50%	4.50%
Up to 90% LTV	4.15%	3.95%	4.15%	4.15%	4.15%	4.50%	4.70%

Compiled by Moneysherpa correct as of: 28/06/2025

Notes: Probable follow on variable rates post fixed period based on current variable rates by provider.

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

Green or High Value Fixed Mortgages Avg Rate (80-90% LTV, 3-7yr)
Term Avg APRC	AIB	Avant Money	Bank of Ireland	EBS	Haven	ICS Mortgages	MoCo	Nua Money	Permanent TSB
3 yr	3.95%*	4.05%†	4.20%†	4.40%†	4.30%†	4.57%†	4.05%†	5.01%†	4.58%*
4 yr	4.21%*	3.95%*	3.80%*	4.00%*	4.00%*	—	—	—	4.47%†
5 yr	3.88%*	4.05%†	3.90%*	4.50%†	4.40%†	4.62%†	4.05%†	4.96%†	4.44%*
7 yr	4.57%†	4.05%†	3.80%*	—	4.60%†	—	—	—	4.52%†

Compiled by Moneysherpa correct as of: 28/06/2025

Notes: LTV < 90%, (*) Includes Mortgage value >€250,000 or Building Energy Rating B3+, BoI assumes A BER. (†) = Other: where no green/high-value product available.

Self Build Mortgage Rates

Self-Build Mortgage Rates Avg Rate (80-90% LTV, 3-7yr)
Term Avg APRC	AIB	Bank of Ireland	EBS	Haven	Permanent TSB
3 yr	3.95%*	4.20%†	4.40%†	4.30%†	4.58%*
4 yr	4.21%*	3.80%*	4.00%*	4.00%*	4.47%†
5 yr	3.88%*	3.90%*	4.50%†	4.40%†	4.44%*
7 yr	4.57%†	3.80%*	—	4.60%†	4.52%†

Compiled by Moneysherpa correct as of: 28/06/2025

Notes: APRC is the Average Rate paid across the whole mortgage term. (*) Includes Green Rate where applicable, Building Energy Rating B3+. (†) High value mortgage.

Buy to Let 5 Year Mortgage Rates

Buy‑to‑Let 5 Year Fixed APRC Comparison by LTV
5 Year Fixed APRC	AIB	Bank of Ireland	EBS	Permanent TSB
Up to 50% LTV	6.89%	6.10%*	6.60%	6.06%
Up to 60% LTV	6.89%	6.10%*	6.60%	6.06%
Up to 70% LTV	6.89%	6.10%*	6.60%	6.06%
Up to 80% LTV	6.89%	—	6.60%	—

Compiled by Moneysherpa correct as of: 28/06/2025

Avant Money Short & Medium Rates

Avant Money Short/Medium Term Fixed Rates – LTV 60%-80%
Short Term Fixed Rate LTV 60-80%	Fixed Rate	Fixed APRC
3 Years	3.60%	3.93%
4 Years	3.45%	3.89%
5 Years	3.80%	3.97%
7 Years	3.80%	3.95%
10 Years	3.80%	3.92%

Compiled by Moneysherpa correct as of: 28/06/2025

Notes: Avant Money Rates (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40). APRC is the Average Rate paid across the whole mortgage term.

Avant Money Short/Medium Term Fixed Rates – LTV ≤ 90%
Short Term Fixed Rate LTV ≤ 90%	Fixed Rate	Fixed APRC
3 Years	3.60%	3.93%
4 Years	3.65%	3.95%
5 Years	3.95%	4.05%
7 Years	3.95%	4.05%
10 Years	3.95%	4.05%

Compiled by Moneysherpa correct as of: 28/06/2025

Notes: Avant Money Rates (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40). APRC is the Average Rate paid across the whole mortgage term.

Avant Money Long Term Rates

Avant Money Long Term Fixed Rates – 30 Years (LTV)
Fixed Term Rates 30 Years	Rate	APRC
60% LTV	3.40%	3.47%
70% LTV	3.40%	3.47%
80% LTV	3.40%	3.47%
90% LTV	3.80%	3.88%

Compiled by Moneysherpa correct as of: 28/06/2025

Notes: Avant Money Rates (APRC calculated on €100K loan, 30 years, valuation of €185, security release €40). APRC is the Average Rate paid across the whole mortgage term.

Haven

Haven Mortgages Fixed Rates – 90% LTV
Fixed Term LTV 90%	Fixed Rate	Fixed APRC
1 Year	4.05%	4.30%
2 Years	4.15%	4.30%
3 Years	4.25%	4.30%
4 Years *	3.45% *	4.00% *
5 Years	4.35%	4.40%
7 Years	4.55%	4.60%
10 Years	4.65%	4.60%

Compiled by Moneysherpa correct as of: 28/06/2025

Notes: (*) based on Green Rate

Haven Mortgage LTV Variable Rates
LTV Band	Rate
LTV ≤ 50%	3.75%
LTV > 50–≤ 80%	3.95%
LTV > 80%	4.15%
Top Up/Equity Release	—

Compiled by Moneysherpa correct as of: 28/06/2025

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