Mortgage Rates

Spring 2018 rate highlights

 

Variable rates 90% ltv mortgages from 3.15%. Available through our partner Haven Mortgages Ltd ( AIB Mortgage Group) This is the lowest variable rate on the market for high loan to value mortgages. This rate is also their standard variable rate which is important as it is the rate that mortgage holders follow on to after a fixed rate expires

5 year fixed <80% ltv 3.2% ( 2% cash back + monthly cash rebate) . Available through our partner permanenttsb. Cash Back offers are popular with many buyers because they free up cash to assist with home decoration after a purchase. From a longer term perspective cash back offers can prove expensive, if the rates that apply from the lender offering the cash back are not competitive in the medium term. Many buyers take up the cash back offer on the assumption that if the lender does not offer competitive rates in the future they will move, but that assumes that the lending conditions allowing them to move elsewhere are available!

4 year fixed rates <90% 2.6%. Exceptionally low fixed rate through our partner Ulster Bank for over €200,000 value mortgages with a minimum 20% deposit. Ulster currently promotes that they offer existing customers the same rates as new customers and it is very important that this offer remains in place for mortgage holders.

5 year fixed rates <80% ltv >€500,000 from 2.5%. Again exceptionally low 5 year rate aimed at higher value mortgages available through our partner, Ulster Bank,.

10 year fixed rates <60% ltv from 3.05% . The lowest ten year fixed rate we have ever seen in Ireland, available through our partner KBC. KBC have consistently led the market into reducing rates for the benefit of buyers. The presence of strong International Lenders in our mortgage market is very welcome and adding a few more lenders to the market would help. especially if these lenders were willing to provide development finance as well as consumer finance. 

Your mortgage horizon is very important when choosing between variable and fixed rates. In an ideal world, we would eliminate risk and fix for as long as possible within the horizon of our expected ownership of the property, provided longer term fixed rates were attractive.

Mortgages.ie provide you with impartial information to help the decision making progress. Use the table below to view the latest lender mortgage rates.

If you feel bewildered by the wide range of mortgage options available, why not talk to one of our experienced consultants who will take you through the options and help you choose the mortgage that's right for you. Either fill in the quick contact form or telephone 01 8327250 for no-obligation, free advice.

For our latest commentary of mortgage rates please visit our Mortgage News section.

 

Other useful tools:

  • Mortgage Repayment Calculator  Compares mortgage rates across Irish Mortgage lenders and calculates monthly repayments
  • Lender Facilities
    Comparison charts for major Irish mortgage lenders.
  • How Much Can I Borrow
    Find out how much you can borrow, and calculate typical monthly repayments.
  • Mortgage Protection Calculator  This calculator compares mortgage protection insurance and Life insurance across all the main Life Companies and applies exclusive discounts available to Mortgages.ie visitors
ProductAPRC
PTSB First Time Buyer Variable (LTV < 50%) 3.80%
KBC Investment Variable (LTV 50-70%) 5.10%
PTSB Trading Up Variable (LTV < 50%) 3.80%
BoI First Time Buyer Variable (LTV 1-60%) 4.00%
BoI Re-Finance Variable (LTV 60-80%) 4.30%
BoI Trading Up Variable (LTV < 60%) 4.00%
BoI Trading Up Variable (LTV 60-80%, > €500k) 4.30%
BoI Trading Up Variable (LTV 80-90%) 4.60%
HAV Trading Up Variable (LTV < 50%) 2.80%
HAV First Time Buyer Variable (LTV 50-80%) 3.00%
HAV First Time Buyer Variable (LTV 80-90%) 3.20%
HAV First Time Buyer Variable (LTV < 50%) 2.80%
HAV Trading Up Variable (LTV 50-80%) 3.00%
HAV Trading Up Variable (LTV 80-90%) 3.20%
BoI First Time Buyer Variable (LTV 60-80%) 4.30%
KBC First Time Buyer Variable (LTV 60-80%) 3.11%
KBC Trading Up Variable (LTV 60-80%) 3.11%
KBC Trading Up Variable (LTV 50-60%) 3.06%
KBC First Time Buyer Variable (LTV 50-60%) 3.06%
PTSB Investment Variable (LTV < 50%) 5.10%
PTSB First Time Buyer Variable (LTV 50-60%) 3.90%
PTSB Trading Up Variable (LTV 50-60%) 3.90%
PTSB Trading Up Variable (LTV 60-70%) 4.01%
PTSB First Time Buyer Variable (LTV 60-70%) 4.01%
PTSB First Time Buyer Variable (LTV 70-80%) 4.11%
PTSB Trading Up Variable (LTV 70-80%) 4.11%
PTSB First Time Buyer Variable (LTV 80-90%) 4.32%
PTSB Trading Up Variable (LTV 80-90%) 4.32%
KBC Re-Finance Variable (LTV 60-80%) 3.11%
PTSB Investment Variable (LTV 50-60%) 5.26%
PTSB Investment Variable (LTV 60-75%) 5.36%
PTSB Investment Variable (LTV < 50%) 5.10%
KBC Re-Finance Variable (LTV 50-60%) 3.06%
KBC First Time Buyer Variable (LTV 80-90%) 3.37%
KBC Trading Up Variable (LTV 80-90%) 3.37%
HAV Re-Finance Variable (LTV < 50%) 2.80%
HAV Re-Finance Variable (LTV 80-90%) 3.20%
HAV Re-Finance Variable (LTV 50-80%) 3.00%
KBC Re-Finance Variable (LTV 80-90%) 3.37%
BoI First Time Buyer Variable (LTV 80-90%) 4.60%
PTSB Re-Finance Variable (LTV < 50%) 3.80%
PTSB Re-Finance Variable (LTV 50-60%) 3.90%
PTSB Re-Finance Variable (LTV 60-70%) 4.01%
PTSB Re-Finance Variable (LTV 70-80%) 3.87%
PTSB Re-Finance Variable (LTV 80-90%) 4.32%
PTSB Investment Variable (LTV 60-70%) 5.36%
UB Trading Up Variable (LTV < 60%) 3.20%
UB Trading Up Variable (LTV 80-90%, > €0k) 3.70%
KBC Investment Variable (LTV < 50%) 4.79%
UB Re-Finance Variable (LTV 80-90%) 3.70%
PTSB First Time Buyer Discounted Variable (LTV < 50%) 3.74%
PTSB Trading Up Discounted Variable (LTV < 50%) 3.74%
PTSB Re-Finance Discounted Variable (LTV < 50%) 3.70%
PTSB First Time Buyer Discounted Variable (LTV 50-60%) 3.85%
PTSB Trading Up Discounted Variable (LTV 50-60%) 3.85%
PTSB Re-Finance Discounted Variable (LTV 50-60%) 3.85%
PTSB Re-Finance Discounted Variable (LTV 60-70%) 3.95%
PTSB First Time Buyer Discounted Variable (LTV 60-70%) 3.95%
PTSB Trading Up Discounted Variable (LTV 60-70%) 3.95%
PTSB First Time Buyer Discounted Variable (LTV 70-80%) 4.05%
PTSB Trading Up Discounted Variable (LTV 70-80%) 4.05%
PTSB Re-Finance Discounted Variable (LTV 70-80%) 4.05%
UB Re-Finance Variable (LTV 60-80%) 3.30%
UB First Time Buyer Variable (LTV 80-90%) 3.70%
KBC Re-Finance Variable (LTV < 50%) 3.06%
KBC Trading Up Variable (LTV < 50%) 3.06%
KBC First Time Buyer Variable (LTV < 50%) 3.06%
UB Investment Variable (LTV < 60%) 4.80%
UB Investment Variable (LTV 60-70%) 5.20%
UB Re-Finance Variable (LTV < 60%) 3.20%
UB Trading Up Variable (LTV 60-80%) 3.30%
UB First Time Buyer Variable (LTV < 60%) 3.20%
UB First Time Buyer Variable (LTV 60-80%) 3.30%
PTSB First Time Buyer Discounted Variable (LTV 80-90%) 4.26%
PTSB Re-Finance Discounted Variable (LTV 80-90%) 4.26%
PTSB Trading Up Discounted Variable (LTV 80-90%) 4.26%
BoI Re-Finance Variable (LTV < 60%) 4.00%