Mortgage Rates

Quickly compare Irish mortgage rates Here 


Our website was the first website in Ireland to compare mortgages, when we launched way back in 2000. Since then millions of visitors have used our calculators and information to help them on their mortgage journey. thousands of visitors in turn have used our services as professional mortgage brokers. 

Mortgages are taken out to buy a home. The difference between the total payments over the term of the mortgage and the principal sum borrowed represents interest.

The interest rate is the percentage of the loan advanced that a lender charges for the use of their money.


Fixed rates are at their lowest ever.

  • 2 year fixed rates from 2.3%
  • 4 year fixed rates from 2.6%
  • 5 year fixed rates from 2.2%
  • 7 year fixed rates from 2.99%
  • 10 year fixed rates from 2.95%

Fixed rates in Ireland are at an all time low.

The Corona virus pandemic may result in even lower rates, as Central Banks support local banks with cheap money. But there is no certainty about rates going lower. It could be equally argued that lending has become much riskier and banks may require a larger margin to cover poor loans. It really is difficult to predict but it is fair to say that it seems unlikely that rates will rise any time soon.

In general, our advice over the past few years has been to fix for as long as possible when rates are historically are low. 


House prices

We have believed for some time that House prices had peaked. They have been inflated for a range of reasons from Low interest rates, to high rents and poor supply. Given that the market was reflecting a slow down in recent months, it is inevitable that prices will fall as a result of the Pandemic.

The Corona virus outbreak is adding huge uncertainty to the market. We are already seeing a host of cancellations as buyers feel the level of uncertainty is too great to go through with a purchase.


Mortgage Rates

AIB Group





To view our AIB 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






5 year fixed rates of 2.2% for high value mortgages (€300,000) ltv<80%


Ulster offer existing customers the same rates as new customers 

Ulster offer good value 7 and 10 year fixed rates.







10 year fixed rates <60% ltv from 2.85% 

KBC have recently improved their fixed rates and now offer five year fixed rates from 2.6%. 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. 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
    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 visitors