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Mortgage Rates

At IrelandMortgages.com, we have a selection of fixed and variable rates to choose from whether you are thinking of buying your First Home, Switching Lender, or Trading Up.

Speak to our Mortgage Maker Team directly for the best rates on the Market

Picking the right rate to suit your requirements

  • Long-term fixed rate will offer stability and gives you peace of mind in knowing your repayment will not change for a fixed period of time

  • Long-term fixed rates can carry a penalty with some lenders to switch your mortgage or overpay so shorter term fixed rate may suit you better

  • When in a fixed rate you are restricted on how much you can overpay for free most lenders allow you to overpay by 10% a year until the end of the term

Rates Starting as low as 1.95% on the Irish Market for Home Loan Rates

Long-term Fixed Rates are available for 10, 15, 20 & 25 years

Features of Long Term Fixed Rates

  • A FIXED RATE THAT CAN REDUCE OVER TIME

Lenders offering long-term fixed rates that will reduce over time depending on your loan to value (LTV) which is the amount you owe as a percentage of the value of your property.   As you make repayments over time and your loan to value percentage goes down, we’ll move your rate down to match. You’ll have the peace of mind of knowing that your long-term fixed rate will only ever reduce and will never go up

  • A FIXED RATE THAT LETS YOU PAY MORE WITHOUT EARLY REPAYMENT CHARGES

You can pay back up to 10% of your outstanding mortgage balance, without early repayment charges, in every year of your fixed rate term. This lets you pay off your mortgage faster and you pay less interest in the long run

  • A FIXED RATE YOU CAN TAKE WITH YOU IF YOU MOVE HOME

Want to move home during your fixed rate period? With traditional fixed rates, you might have to pay a fee if you want to break the fixed rate and take out a new loan. With our longer-term fixed rates, if you want to move home during your fixed rate period, you can take your existing rate with you.

Fixed rates that provide Real Value

Loan to Value (%):10 yr Fixed:APRC:15 yr Fixed:APRC:20 yr Fixed:APRC:25 yr Fixed:APRC:
50% or less2.40%2.53%2.40%2.47%2.50%2.55%2.65%2.71%
60% or less2.40%2.58%2.40%2.48%2.50%2.55%2.65%2.71%
70% or less2.55%2.70%2.55%2.63%2.65%2.71%2.80%2.86%
80% or less2.65%2.78%2.65%2.73%2.75%2.81%2.90%2.96%
90% or less2.85%2.98%2.85%2.93%2.95%3.02%2.99%3.06%

The above rates are subject to terms and conditions.

We're Here to Help!

If you have any question, please feel free browse the site. If you don't find the information you are looking for, our Advisors are available to assist you. You can call, email or arrange a meeting to discuss your needs.