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Mortgage Rates

Irish Lenders offer a range of Fixed and Variable rates. Rates offered can depend on your Loan to Value (LTV), BER energy Rating, Type of Mortgage Holder you are (First Time Buyer, Trading Up, Switcher, Existing Customer, Investor).

Fixed-Rate Mortgages

With a fixed-rate mortgage, the interest rate remains consistent for the entire duration of the loan. This provides stability and predictability for borrowers.

Variable Rate Mortgages

A variable interest is an interest rate on a loan that fluctuates over time because it is based on an underlying benchmark interest rate or index that changes periodically.

The lower your loan to value the lower the rate on offer, for example if you loan is €150,000 but the value of your property is €310,000 then your LTV is 48% so you can avail of LTV rates below 50%.

Energy Efficient Green Rates

If you are a First Time Buyer, Trader Upper or Switcher and have a BER rating between B3 and A1 you can avail of one of the lowest rates on the market.

Example of Savings

Switching your mortgage can save you thousands of euros in interest repayments, for example if your BER rating is between A1 -B3 you can avail of a rate as low as 3.45%. See sample of savings below based on the average rate compared to the Green Rate.

Current Mortgage €180,000
Rate 4.5%
Term 15 years
New Mortgage €180,000
Rate 3.45%
Term 15 years
Monthly Repayment Total Repayment
Current Loan €1,376.00 €247,857.83
New Loan €1,282.37 €230,827.22
Savings €94.61 €17,030.61
Try our Switcher Calculator>

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With our trusted friendly staff, easy paperwork, and a quick response for your Moving Home Mortgage option in all 26 counties of Ireland; we will guarantee that you will be walking away with a smile on your face after dealing with us.

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You can call us on +353 1 627 9495

Our walk in office provides access to qualified mortgage brokers covering mortgages in all 26 counties of Ireland.