Getting the best mortgage rate in Ireland can save you tens of thousands of euros over the life of your loan. A 0.30% difference on a €300,000 mortgage over 30 years is approximately €17,000 in extra interest — which is why comparing rates across all Irish lenders matters more than almost any other decision you’ll make.
This page lists current advertised mortgage rates from every Irish lender, updated as rates change. Rates shown are the lowest advertised fixed rates unless otherwise stated. Always confirm directly with the lender or a broker before applying.
Last updated: September 2026
Current Irish Mortgage Rates — September 2026
Fixed Rate Mortgages (Lowest Advertised)
| Lender | 2-Year Fixed | 3-Year Fixed | 5-Year Fixed | 7-Year Fixed | 10-Year Fixed |
|---|---|---|---|---|---|
| Avant Money | 3.10% | 3.15% | 3.20% | 3.30% | 3.45% |
| Haven | 3.15% | 3.20% | 3.25% | 3.35% | 3.50% |
| AIB | 3.25% | 3.30% | 3.35% | 3.45% | 3.60% |
| EBS | 3.30% | 3.35% | 3.40% | — | — |
| Bank of Ireland | 3.40% | 3.45% | 3.50% | 3.60% | 3.75% |
| PTSB | 3.45% | 3.50% | 3.55% | — | — |
| ICS Mortgages | 3.35% | 3.40% | 3.50% | — | — |
| Moco | 3.40% | 3.45% | 3.55% | — | — |
| Finance Ireland | 3.50% | 3.55% | 3.60% | — | — |
Rates shown are lowest advertised fixed rates, typically available at lower LTV tiers. Rates change frequently — verify directly with lenders.
Green Mortgage Rates (BER B3 or Higher)
Several Irish lenders offer discounted rates for energy-efficient homes. If your property has a BER rating of B3 or above, ask specifically about the green rate.
| Lender | Green Rate (lowest) | Standard equivalent | Saving |
|---|---|---|---|
| AIB | from 3.05% | from 3.25% | −0.20% |
| Bank of Ireland | from 3.20% | from 3.40% | −0.20% |
| Haven | from 3.00% | from 3.15% | −0.15% |
| EBS | from 3.10% | from 3.30% | −0.20% |
| PTSB | from 3.25% | from 3.45% | −0.20% |
New builds purchased through the Help to Buy scheme almost always achieve BER A2 or A3 — meaning first-time buyers buying new often qualify for green rates automatically.
Variable Rates
Variable rates in Ireland move with the ECB base rate. The ECB cut rates steadily through 2024–2025; as of September 2026 the ECB main rate is in the low 2% range.
| Lender | Standard Variable Rate |
|---|---|
| AIB | ~4.15% |
| Bank of Ireland | ~4.25% |
| EBS | ~4.10% |
| PTSB | ~4.30% |
Note: Most borrowers in Ireland choose fixed rates over variable — lenders’ standard variable rates are typically 0.75–1% higher than their best fixed rates. Variable makes sense if you plan to sell or overpay heavily within 2–3 years.
Avant Money Mortgage Rates: Ireland’s Most Competitive?
Avant Money is a digital lender (no branches) and consistently offers Ireland’s lowest advertised fixed rates. Their pricing is LTV-tiered, meaning your rate depends on your deposit size:
| LTV band | Fixed rate (from) |
|---|---|
| ≤60% LTV | 3.10% |
| 61–70% LTV | 3.20% |
| 71–80% LTV | 3.25% |
| 81–90% LTV | 3.35% |
For a first-time buyer with a 10% deposit (90% LTV), the Avant rate is 3.35% — still competitive but not as sharp as their headline 3.10% figure. That rate requires a 40% deposit.
Avant Money is only available through mortgage brokers, not directly. Factor in broker fees when calculating total cost.
AIB Mortgage Rates
AIB is Ireland’s largest mortgage lender and offers the widest range of products.
Key AIB rates (September 2026):
- Standard fixed: from 3.25% (2-year) to 3.60% (10-year)
- Green mortgage (BER B3+): from 3.05%
- AIB mortgage rate review: customers can request a rate review after 2 years on variable, or at the end of any fixed term
AIB also offers:
- Cashback on certain products (check current promotions)
- AIB Mortgage Saver account — a dedicated savings account that can strengthen your application
- Online mortgage approval in principle available
Bank of Ireland Mortgage Rates
Bank of Ireland (BOI) has a broad product range with both fixed and variable options.
Key BOI rates (September 2026):
- Standard fixed: from 3.40% (2-year) to 3.75% (10-year)
- Green mortgage (BER B3+): from 3.20%
- BOI also offers a 2% cashback on some products — worth factoring into the total cost comparison
The cashback can offset the slightly higher headline rate. For a €300,000 mortgage, 2% cashback = €6,000 upfront. Over a 2-year fixed term this equates to roughly 0.28% per year — which means the effective BOI rate with cashback is closer to 3.12%, competitive with Avant.
EBS Mortgage Rates
EBS is part of the AIB Group but operates as a separate brand with its own rate structure.
Key EBS rates:
- Fixed: from 3.30%
- Green mortgage: from 3.10%
- Variable: ~4.10%
EBS is branch-based and tends to be strong for first-time buyers who want in-person support. No cashback currently offered.
Haven Mortgage Rates
Haven is also part of the AIB Group, available exclusively through mortgage brokers.
Key Haven rates:
- Fixed: from 3.15% — often marginally better than AIB direct
- Green mortgage: from 3.00% — one of the best green rates in the market
- LTV tiers apply: 90% LTV attracts a higher rate than 70% LTV
Haven is a good option if you’re working with a broker and have a strong deposit.
PTSB Mortgage Rates
Permanent TSB (PTSB) is the third pillar bank and has competitive rates for certain borrower profiles.
Key PTSB rates:
- Fixed: from 3.45%
- Green mortgage: from 3.25%
- PTSB “Explore” current account: some products require you to hold a PTSB current account
PTSB tends to be more flexible on income interpretation for self-employed borrowers.
How to Compare Irish Mortgage Rates Properly
Looking at the headline rate alone is not enough. Here’s what to compare:
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APRC (Annual Percentage Rate of Charge) The APRC is the true cost of the mortgage, including all fees. It’s the most like-for-like comparison number. A lender with a lower headline rate but high fees can have a higher APRC than a slightly more expensive lender.
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Cashback vs lower rate A 2% cashback on €300,000 = €6,000 now. But over 5 years, a 0.30% lower rate saves ~€4,500. The cashback wins in the short term; the lower rate wins over time. Run the actual numbers for your mortgage size.
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Breakage fees If you might need to break out of a fixed rate early (job change, moving abroad, selling), factor in breakage costs. These can be several thousand euros on longer fixed terms.
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Green rate eligibility If you’re buying a new build or a recently retrofitted home, you almost certainly qualify for green rates. Always ask — the saving is 0.15–0.20% with no other strings attached.
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LTV tiers A larger deposit doesn’t just reduce your loan — it can drop you into a lower rate tier. For Avant Money, moving from 80% LTV to 70% LTV saves 0.05–0.10% on the rate. On €300,000 over 30 years, that’s several thousand euro.
Rate Forecast: Will Irish Mortgage Rates Fall Further in 2026?
The ECB cut its main refinancing rate multiple times through 2024–2025. As of September 2026, rates are significantly lower than the peak of late 2023. The outlook:
- The ECB has signalled a more cautious approach to further cuts given mixed inflation data
- Irish lenders have not passed through all ECB cuts in full to their fixed rates
- Variable rates tend to track ECB moves more closely than fixed rates
No one can reliably predict future rate movements. If you’re choosing between fixing now versus waiting for further cuts:
- Fixing locks in certainty
- Waiting could mean lower rates, or rates staying flat
Most financial advisers in Ireland currently suggest fixing for 2–3 years if you value stability, or choosing a shorter fix if you expect to move or remortgage.
Frequently Asked Questions
What is the lowest mortgage rate in Ireland right now? As of September 2026, Avant Money offers the lowest advertised fixed rate from 3.10% — but this applies only at ≤60% LTV. For first-time buyers with a 10% deposit (90% LTV), the lowest available rate is typically 3.15–3.35% depending on the lender.
Which Irish lender has the best mortgage rates? It depends on your LTV, income profile, and whether your property qualifies for a green rate. Avant Money and Haven are consistently among the cheapest. AIB and BOI have slightly higher headline rates but offer cashback and in-branch support. A broker can compare across all lenders for your specific situation.
How often do Irish mortgage rates change? Rates change in response to ECB decisions and lender competition. Some lenders change rates monthly; others only move when the ECB does. This page is updated as rates change — always confirm the current rate directly with the lender before applying.
Do Irish mortgage rates differ for new builds vs second-hand homes? The underlying interest rate is the same, but new builds more often qualify for green mortgage rates (due to higher BER ratings) and allow first-time buyers to use Help to Buy. Effectively, new builds often end up cheaper in total.
What is a green mortgage in Ireland? A green mortgage offers a lower interest rate for homes with a BER rating of B3 or higher. Most new builds achieve BER A2 or A3 and qualify automatically. Some older homes that have been retrofitted (insulation, heat pump, solar panels) also qualify. The saving is typically 0.15–0.20% versus the standard rate.
Should I use a mortgage broker or go direct? A broker searches across all lenders — including Avant Money and Haven, which are broker-only. Going direct to one bank means you only see that bank’s rates. Most Irish buyers use a broker; fees are typically paid by the lender, not the borrower.
Rates shown are indicative and based on publicly available information as of September 2026. Verify current rates directly with lenders before making any financial decision. This article is for information purposes only and does not constitute financial advice.
See also: Fixed vs Variable Rate Mortgage | Green Mortgages Ireland | Switching Your Mortgage in Ireland | Avant Money Mortgage Ireland | Mortgage Rate Predictions Ireland | Breaking a Fixed Rate Mortgage