Switching Morgtage

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A narrow window is available now for home owners to lock into good value fixed rates, most likely with other lenders.


What's going to happen interest rates?

Nobody knows is the simple answer but an optimistic scenario is as follows.

  • 2023- rates increase further.
  • 2024 - rates flatten out at high levels as inflation subsides.
  • 2025 - inflation gets under control at around 2% and rates steady or drop slightly
  • 2026- base rates remain at 2% for medium term and banks charge margins in region of 1.5% to 2% over base rates

So an optimistic outlook, in our opinion, is that in a few years time mortgage rates may stabilise around 4%.This rate is more like the norm that many young buyers have never seem. Prior to the financial crash, the conventional wisdom was that fixing at 5% for 5 years was attractive.

This is an optimistic scenario and mortgage holders should act conservatively when considering the risks to their personal finances and act prudently to protect their wealth.



Would you like a guaranteed fixed rate for the rest of your mortgage?

  • The One Mortgage product has one rate fixed for the term of your mortgage.
  • You can overpay by up to 10% of the balance on the mortgage each year without penalty
  • You can carry the mortgage to another property if you move house.
  • €1,500 available for switchers with a loan value of €200,000 or greater.
  • Rates from 3.95% fixed for full term - apply today. Terms and conditions apply

Apply Now Switcher Mortgage Application Portal


Review the latest frequently asked questions here


 Reasons to switch include:

  • Get cash incentives to switch
  • Save thousands over the term of your mortgage through lower rates.
  • Knock years off the life of your mortgage.
  • You may qualify to overpay by up to 10% of your mortgage balance each year even when your rate is fixed.
  • No mortgage arrangement fees
  • Full online application process


Avant Money One Mortgage product €1,500 cash back offer.

Fix your mortgage for the full term - rates start at 3.95%

1. Switcher mortgages only.

2. One Mortgage only (must drawdown on this product).

3. Minimum loan of €200,000.

4.Drawdown by 29th December 2023.


Payment of the €1,500 will be made into the mortgage servicing account within two months of the first mortgage repayment being made



Switching from a tracker rate.

There are approximately 200,000 tracker mortgages remaining in Ireland. Lenders stopped issuing tracker mortgages in 2008.

Typical tracker mortgage rates are calculated at a margin of between 1% and 1.5% over the ECB base rate, Tracker mortgages are in the news again because the ECB base rates have risen by 3.75% and in turn these increases have been passed onto the tracker mortgage holders in full.

It seems highly likely that the base rate will rise further more over the coming months.


1.Do nothing and pay the increased monthky payments and hope that the ECB rates decease.

2.Switch to different product within your own bank. If you do this you will not be able to return to a tracker rate. This may be the best option but you need to be sure you are getting a competitive rate.

3.Switch to a different lender who is offering better value than your own bank can offer. We can arrange this switch for you..









Switch your mortgage today.

Start the process by registering on our Mortgage application portal.

All the necessary documents can be uploaded on the portal

Standard documentation requirements

  • Verified id documents
  • Completed salary cert
  • 6 months bank statements
  • Three payslips