Today's Irish Mortgage Rates

Irish Mortgage rates



Competition is increasing in the Irish mortgage market. Banks are charging high margins and it really pays to use an independent expert adviser like us to help you get the best deal.



Irish mortgage rates fall into two categories - Variable and fixed rates.
Variable rates are the most popular, unlike in many other countries where long term fixed rates are very popular. While fixed rates of 7 and 10 years are available they are seldom chosen by borrowers.

The best rates currently available are for mortgages with a loan  to value of less than 50%.
These <50% rates start at 3.75% variable. ( 3.55% if a current  account is opened with this particular bank and your salary mandated to this  account)

The highest variable rates are for mortgages with a loan to value of 90% or more and these rates range from 4.5% to 4.8%,

Fixed rates are coming down. We have five year fixed rate of 3.9%  are the lowest we have seen 5 year rates for many years.

To compare the latest mortgage rates from our lenders  please click on our... 

Mortgage Repayment Calculator 

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If you are considering switching to a cheaper lender please click on our...

Switch and Save calculator

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To estimate the benefits/costs of switching to the lowest fixed rate on the market  please review our...

Should I fix calculator .

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To compare the cheapest mortgage protection available please

Mortgage protection calculator

"As well as saving money through switching lenders, you can also save through switching life insurance cover..see www.lifeinsurance.ie"

To go directly to the life insurance calculator please follow this link

Life insurance quotes





For a quick glance at all the latest mortgage rates you can view our current database of mortgage rates which is set out below. As lenders change their rates we update our system to ensure that you can accurately compare mortgage options using our mortgage calculator.

Investor only products are shown in blue.

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Product Type Lender % APR
Bank of Ireland Direct <60% Variable BoI 4.00
Bank of Ireland 80 /90 Variable BoI 4.60
Bank of Ireland direct 60% Variable BoI 4.00
Bank of Ireland Direct 80% to 90% Variable BoI 4.60
Bank of Ireland direct only <60% Variable BoI 4.00
Bank of Ireland - Direct only>80%<90% variable Variable BoI 4.60
Bank of Ireland >60%<80% Variable BoI 4.30
Bank of Ireland >60%<80% Variable BoI 4.30
Bank of Ireland>60% <80% Variable BoI 4.30
KB 2 year fixed<60% 2 Year Fixed IIB 3.81
KBC 1 year fixed <60% 1 Year Fixed IIB 4.27
KBC 1 year fixed >60<80 1 Year Fixed IIB 4.27
KBC 1 year fixed >60<80 1 Year Fixed IIB 4.27
KBC 1 year fixed >80<90 1 Year Fixed IIB 4.27
kbc 1 year fixed refinance less 60 1 Year Fixed IIB 4.27
KBC 1 year fixed>80<90 1 Year Fixed IIB 4.27
KBC 1 year fixed>80<90 1 Year Fixed IIB 4.27
KBC 2 year fixed >80%<90% 2 Year Fixed IIB 4.24
KBC 2 year fixed >80%<90% 2 Year Fixed IIB 4.24
KBC 2 year fixed >80%<90% 3 Year Fixed IIB 4.19
KBC 2 year fixed<60% 2 Year Fixed IIB 3.81
KBC 2 year fixed>60% <80% 2 Year Fixed IIB 3.98
KBC 2 year fixed>60<80 2 Year Fixed IIB 3.98
KBC 2 year fixed>60<80 2 Year Fixed IIB 3.98
KBC 2 year fixed>80%<90% 2 Year Fixed IIB 4.24
KBC 3 Year Fixed<60% 3 Year Fixed IIB 3.80
Kbc 3 year fixed<60% 3 Year Fixed IIB 3.80
KBC 3 year fixed<60% 3 Year Fixed IIB 3.80
KBC 3 year fixed>60%<80% 3 Year Fixed IIB 3.96
KBC 3 year fixed>60%<80% 3 Year Fixed IIB 3.96
KBC 3 year fixed>60%<80% 3 Year Fixed IIB 3.96
KBC 3 year fixed>80%<90% 3 Year Fixed IIB 4.19
KBC 3 year fixed>>80<90 3 Year Fixed IIB 4.19
KBC 5 year fixed >60%<80% 5 Year Fixed IIB 4.02
KBC 5 year fixed>60%<80% 5 Year Fixed IIB 4.02
KBC 5 year fixed>60%<80% 5 Year Fixed IIB 4.02
KBC 5 year fixed>80%<90% 5 Year Fixed IIB 4.24
KBC 5 year fixed>80%<90% 5 Year Fixed IIB 4.24
KBC 5 year fixed>80%<90% 5 Year Fixed IIB 4.24
KBC <60% LTV Variable IIB 3.69
KBC <60% LTV Variable IIB 3.69
KBC >80%<90% Refinance Variable IIB 4.18
KBC curr r ac <60% 5 Year Fixed IIB 3.87
Kbc Current acc<60% 5 Year Fixed IIB 3.87
KBC ltc Variable>80<90 Variable IIB 4.18
KBC ltv variable >60<80 Variable IIB 3.75
KBC ltv variable>60%<80% Variable IIB 3.75
KBC ltv variable>60<80 Variable IIB 3.75
KBC ltv variable>80% <90% Variable IIB 4.18
KBC one year fixed >60<80 1 Year Fixed IIB 4.07
Kbc r <60% 5 Year Fixed IIB 3.87
Kbc Switcher <60% Variable IIB 3.69
KBC1 YEAR FIXED <60% 1 Year Fixed IIB 4.27
permaneenttsb 5 year fixed <50% 5 Year Fixed PTSB 3.91
permanenettsb 3 year fixed >80<90 3 Year Fixed PTSB 4.22
permanenettsb 5 year fixed>50<60 5 Year Fixed PTSB 3.91
permanenettsb refinance>50%<60% Variable PTSB 3.87
permanent tsb 5 yeat fixed >60<70 5 Year Fixed PTSB 4.02
permanent tsb 4 year fixed <50 4 Year Fixed PTSB 3.91
permanenttab >50<60 ltv Variable PTSB 3.87
permanentteb>80<90 refinance Variable PTSB 4.28
permanenttsb 3 year fixed>60<70 3 Year Fixed PTSB 3.98
permanenttsb 1 year fixed <50% 1 Year Fixed PTSB 3.80
permanenttsb 1 year fixed70/80 1 Year Fixed PTSB 4.01
permanenttsb 1 year fixed>50<60 1 Year Fixed PTSB 4.01
permanenttsb 1 year fixed>70<80 1 Year Fixed PTSB 4.01
permanenttsb 2 year fixed <50 2 Year Fixed PTSB 4.01
permanenttsb 2 year fixed >70<80 2 Year Fixed PTSB 4.01
permanenttsb 2 year fixed >80<90 2 Year Fixed PTSB 4.24
permanenttsb 2 year fixed refinance<50 2 Year Fixed PTSB 3.85
permanenttsb 2 year fixed trading up 2 Year Fixed PTSB 3.85
permanenttsb 2 year fixed>70<80 2 Year Fixed PTSB 4.01
permanenttsb 3 year fixed <50% 3 Year Fixed PTSB 3.83
permanenttsb 3 year fixed >50<60 3 Year Fixed PTSB 3.83
permanenttsb 3 year fixed >50<60 3 Year Fixed PTSB 3.83
permanenttsb 3 year fixed<50 3 Year Fixed PTSB 3.83
permanenttsb 3 year fixed<50% 3 Year Fixed PTSB 3.83
permanenttsb 3 yeqar fixed >60<70 3 Year Fixed PTSB 3.98
permanenttsb 3 yera fixed >80<90 3 Year Fixed PTSB 4.22
permanenttsb 4 year fixed >60<70 4 Year Fixed PTSB 4.03
permanenttsb 4 year fixed>50<60 4 Year Fixed PTSB 3.91
permanenttsb 4 year fixed>50<60 4 Year Fixed PTSB 3.91
permanenttsb 4 year fixed>60<70 4 Year Fixed PTSB 4.03
permanenttsb 4 year fixed>70<80 4 Year Fixed PTSB 4.03
permanenttsb 4 year fixed>70<80 4 Year Fixed PTSB 4.03
permanenttsb 4 year fixed>80<90 4 Year Fixed PTSB 4.32
permanenttsb 4 year fixed>80<90 4 Year Fixed PTSB 4.32
permanenttsb 5 year fixed >80<90 5 Year Fixed PTSB 4.36
permanenttsb 5 year fixed>60<70 5 Year Fixed PTSB 4.02
permanenttsb 5 year fixed>70<80 5 Year Fixed PTSB 4.02
permanenttsb 5 year fixed>80<90 5 Year Fixed PTSB 4.36
permanenttsb 5 year fixed>80<90 5 Year Fixed PTSB 4.36
permanenttsb 5 yera fixed >60<70 5 Year Fixed PTSB 4.02
permanenttsb 5 yera fixed >70<80 5 Year Fixed PTSB 4.02
permanenttsb 5 yr fixed>70<80 5 Year Fixed PTSB 4.02
permanenttsb 5=4 year fixed>80<90 4 Year Fixed PTSB 4.32
permanenttsb >70<80 refinance Variable PTSB 4.07
Permanenttsb ltv <50% Variable PTSB 3.76
permanenttsb ltv rate>60<70 Variable PTSB 3.97
permanenttsb lyv variable>60<70 Variable PTSB 3.97
permanenttsb2 year fixed <50% 2 Year Fixed PTSB 3.85
permanenttsb2 year fixed >60<70 2 Year Fixed PTSB 4.01
permanenttsb>50<60 ltv Variable PTSB 3.87
permanenttsb>70<80 ltv Variable PTSB 4.07
permanenttsb>70<80ltv Variable PTSB 4.07
permanenttsb>80<90 Variable PTSB 4.28
permanenttsb>80<90 Variable PTSB 4.28
permanesttsb 5 year fixed <50% 5 Year Fixed PTSB 3.91
permannentsb 1 year fixed >60<70 1 Year Fixed PTSB 4.01
permannenttsb 1 year fixed >50<60 1 Year Fixed PTSB 4.01
permannenttsb 1 year fixed<50 1 Year Fixed PTSB 4.01
permannenttsb 2 year fixed >70<80 2 Year Fixed PTSB 4.01
permannenttsb 2 year fixed >80<90 2 Year Fixed PTSB 4.24
permannenttsb 2 year fixed>50<60 2 Year Fixed PTSB 3.85
permannenttsb1 year fixed >50<60 1 Year Fixed PTSB 4.01
permannenttsb> 3 year fixed >50<60 3 Year Fixed PTSB 3.98
permannetteb 1 year fixed 60/70 refinnace 1 Year Fixed PTSB 4.01
permannettsb 1 year fixed<50% 1 Year Fixed PTSB 3.80
permannettsb 2 year fixed >80<90 2 Year Fixed PTSB 4.24
permannettsb <50% refinance Variable PTSB 3.76
permannettsb1 year fixed >60<70 1 Year Fixed PTSB 4.01
permsnenttsb >60<770 refinance Variable PTSB 3.97
PTSB 1 year fixed70/80 1 Year Fixed PTSB 4.01
Ptsb 2 year fixed>60<70 2 Year Fixed PTSB 4.01
ptsb 2 year fxd >50<60 2 Year Fixed PTSB 3.83
ptsb 3 year fixed >70<80 3 Year Fixed PTSB 3.98
ptsb 3 year fixed >70<80 3 Year Fixed PTSB 3.98
ptsb 3 year fixed >70<80 3 Year Fixed PTSB 3.98
ptsb 3 year fixed >80<90 3 Year Fixed PTSB 4.20
ptsb 3 year fixed>60<70 3 Year Fixed PTSB 3.98
ptsb 4 year fixed<50% 4 Year Fixed PTSB 3.91
ptsb 4 year fixed>70<80 4 Year Fixed PTSB 4.03
ptsb 4 yr fixed >60<70 4 Year Fixed PTSB 4.03
ptsb 4 yr fixed<50% 4 Year Fixed PTSB 3.91
ptsb 4 yr fixed<50% 4 Year Fixed PTSB 3.91
ptsb 4 yr fixed>50<60 4 Year Fixed PTSB 3.91
ptsb 5 year fixed <50% 5 Year Fixed PTSB 3.91
ptsb 5 year fixed>50<60 5 Year Fixed PTSB 3.91
ptsb2 year fxd >50<60 2 Year Fixed PTSB 3.85
ptsb5 year fixed >50<60 5 Year Fixed PTSB 3.91
KBC Invest Standard Varaible Variable IIB 5.27
permanent tsb non rssident Variable PTSB 5.17
permanent tsb resident investor 50/60 Variable PTSB 5.06
Permanenttsb Non resident <50% Variable PTSB 4.91
permanenttsb non rssident >50%<60% Variable PTSB 5.06
permanenttsb resident investor<50\% Variable PTSB 4.91
permanenttsb resident investor>60<75 Variable PTSB 5.17

IMPORTANT NOTE: Although every effort is made to ensure the accuracy of this data, some errors may remain.
These figures are indicative only, and rates are subject to change without notice.

For cheaper life insurance and mortgage protection please visit www.lifeinsurance.ie
 

        
Finance Company of Ireland Ltd t/a Mortgage Company of Ireland is regulated by The Central Bank of Ireland.

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