Lowest Mortgage Rates in Ireland

We always try to keep potential homebuyers or mortgage switchers up to date on the lowest mortgage rates available in Ireland.
Carrying out a comparison of Irish mortgage interest rates is a bit easier in 2024 than it was a few years ago –  because fewer lenders are operating in Ireland and a lot fewer mortgage products.


Mortgage rates in Ireland rose in 2023 as the ECB continued to raise interest rates . It looks like the peak of the ECB rate rises has been reached .

See our full list of the Lowest Mortgage Rates here.



Lowest Fixed Rates


For first-time buyers looking for as much as a 90% mortgage – the lowest rate is available from Haven. . Their interest rate is 3.65% , fixed for 4 years. (This is for properties with BER of B3 or better and it is available only through brokers).


If the house has a BER poorer than B3 – the best rate on a 90% LTV is currently 4.05% fixed for 3 years at Avant Money (via a broker only)



You can get help and advice with applying for a mortgage from Money Sherpa . They are a firm of financial advisors based in Ireland who will arrange your mortgage for free.
Some of the lowest mortgage rates are from lenders that only deal with brokers – and you will have access to all these through Money Sherpa


Variable Rates


The current lowest variable mortgage rate available (March 2024) for first-time buyers who have only a 10% deposit is from Haven (or AIB) at 4.15 % .

If you can manage a 30% deposit – you could get a variable rate of 3.95% – from EBS or AIB

If you are thinking of switching your mortgage to get a lower rate – you should take into account the fact there will be legal costs and valuation fees involved (Typically €1000  in total)  But many lenders are offering cashback to new customers to help with switching costs.


See some calculations on mortgage switching here.

See all the Lowest Mortgage Rates here

More about the Rules on Mortgage Lending Limits in Ireland Here .


Solicitors Fees When Buying a House

Also – check out our page about the Help to Buy Scheme

Interest Rates Figures checked March 2024