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Click any row in the table below to view detailed breakdown, overpayment terms, and cashback disclosures.
| Lender | Product Details | Type | LTV Bracket | Initial Rate | APRC |
|---|---|---|---|---|---|
| Avant Money | Flex Variable (LTV < 60%) | variable | <60% | 3.40% | 3.52% |
| Avant Money | Flex Variable (LTV 60-80%) | variable | 60-80% | 3.65% | 3.78% |
| Avant Money | Flex Variable (LTV 80-90%) | variable | 80-90% | 3.85% | 3.98% |
| Haven Mortgages | Green 4-Year Fixed (BER A1-B3) | fixed | <80% | 3.45% | 3.68% |
| Haven Mortgages | Variable Rate (LTV < 50%) | variable | <50% | 3.75% | 3.90% |
| Haven Mortgages | Variable Rate (LTV 50-80%) | variable | 50-80% | 3.95% | 4.10% |
| Bank of Ireland | Green Fixed 2-Year (A1-B3) | fixed | <90% | 3.60% | 4.15% |
| Bank of Ireland | BoI Trading Up Variable (LTV < 90%) | variable | <90% | 4.15% | 4.30% |
| PTSB | 4-Year Fixed (LTV < 60%) | fixed | <60% | 3.70% | 4.20% |
| PTSB | Variable Rate (LTV 80-90%) | variable | 80-90% | 4.50% | 4.85% |
| Núa Money | Standard Variable (LTV < 80%) | variable | <80% | 4.35% | 4.65% |
| ICS Mortgages | Buy-to-Let Variable (LTV < 70%) | variable | <70% | 5.45% | 5.75% |
We work with top Irish banks and specialized broker-only lenders to secure your optimal mortgage.
Market Leading Low Rates & Long-Term Fixed Options
Avant Money provides mortgages through a select broker group including Mortgages.ie. Their Flex Mortgage offers outstanding value on variable rates, and their long-term fixed rates (up to 30 years) provide lifetime rate certainty.
Broker-Exclusive Lender with €5,000 Cashback
Haven is a broker-only lender within AIB Group. They offer competitive variable rates and an excellent 4-year fixed Green Mortgage product, plus €5,000 cashback for mortgages over €250,000.
Up to 3% Cashback & BER Tiered Pricing
Bank of Ireland offers 2% cashback at drawdown plus 1% extra after 5 years for current account holders. Rates are tiered according to BER rating, with discounted rates for A-rated properties.
Popular Cashback Offers & Green Rates
PTSB is expanding market share organically and through portfolio acquisitions. Their cashback offers and green mortgage rates for energy-efficient homes make them a strong competitor.
Flexible Criteria & Fast Turnaround Times
A new market entrant offering flexible acceptance criteria — extending age limits up to 75 at mortgage end, equity release up to €300,000, and joint borrowing for siblings.
Buy-to-Let Specialist Lenders
Specialises in residential buy-to-let property loans with specialized options including interest-only facilities for property investors across Ireland.
Key insights from our experienced team of chartered accountants and mortgage consultants.
Use our free broker service and the experience of our qualified team of chartered accountants and mortgage consultants to guide you to the cheapest overall loan.
Total repayments are extremely sensitive to slight movements in interest rates — a ½% difference between two mortgage rates over a 30-year term could equal over 10% of your total loan balance.
The longer the mortgage term, the lower the monthly repayment — but the more interest you pay overall. You'll pay roughly 50% more interest on a 35-year mortgage than a 20-year term.
Fixing your rate for a specified term keeps your repayments unchanged during that period. Always consider what variable or follower options are available once the fixed period ends.
Lenders have different overpayment policies on fixed rates — most allow up to 10% of monthly payments; Avant Money allows up to 10% of balance per year. Variable rates have no overpayment penalties.
Market summary & economic factors
Population growth, strong employment, high rental yields, and government buyer supports — including the Help to Buy Scheme and First Home Scheme — have driven sustained growth in Irish property prices. Our advisory team evaluates market trends to help you negotiate and secure appropriate financing for your purchase.
Find out how much you can borrow and see exact monthly repayments across all Irish lenders in seconds.