Mortgage Rates

Quickly compare Irish mortgage rates using our Mortgage calculator 

The difference between the total payments over the term of the mortgage and the principal sum borrowed is interest.

Interest rates are the price lenders charge for advancing you money.

Interest rates are rising in Europe. Within the Euro area the Benchmark ECB interest rate is now 2.5%. For the past five years this rate was 0%.

We expect rates to continue to rise until inflation gets under control. There are currently some signs of inflation easing but the ECB wants to see it moving back to about 2%. At this point the ECB will bring back its base interest rate to 2%. It is highly unlikely that ECB base rates will go below this in the medium term.

Depositors will also be seeking a better return on their savings and this will feed into a new norm for mortgage rates. We could see some new increases in rates in the short term, hopefully followed by an easing, as inflation subsides and the desire to stimulate investment.

A resolution to the war in Ukraine is very important from a humanitarian perspective and from an international economic standpoint.


House prices

In Ireland the huge demand for housing, very high rents, strong availability of money and the extension of government supports will underpin house prices. Rising mortgage costs will inevitably impact affordability and will act to dampen prices, especially if base rates rise sharply in 2023


Mortgage Rates

AIB Group





To view our AIB Group mortgage calculator please visit our Mortgage repayment calculator and use the filter button button to select only AIB / Haven Mortgages only. You can select all lenders or a range of lenders or rate types also.

Variable rates 90% ltv mortgages from 3.15%.

Available through our partner Haven Mortgages Ltd ( AIB Mortgage Group).

Haven Mortgages have the lowest variable rates on the market .

Haven are also very competitive in the fixed rate mortgage market. 

Permanent TSB



5 year fixed <80% ltv 3.2% ( 2% cash back + monthly cash rebate) 

permanenttsb are very expensive.

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! It is important to look closely at the APRC when considering mortgage products with cash back incentives. 

Ulster Bank






On 19/02/2020 Ulster Bank announced that they are pulling out of Ireland on a phased basis over number of years. Ulster Bank continue to provide mortgages during this withdrawal period, with the assumption being that a buyer will purchase the business and the existing loan book. 








KBC are no longer offering mortgages in Ireland. 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, 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
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  • How Much Can I Borrow
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  • Mortgage Protection Calculator  This calculator compares mortgage protection insurance and Life insurance across all the main Life Companies and applies exclusive discounts available to visitors