Lowest 2 Year Fixed Rate Mortgages

Compare  the Lowest 2 Year Fixed Rate Mortgages in Ireland

Updated December 30th 2016 (New Customers Only in Most cases)

LTV up to 60%

KBC 3.15%  Max LTV 60% (2.95% for current account holders)
PTSB 3.2%  Max 60% LTV
BOI 3.25% Max 60% LTV
EBS 3.6%
Haven 3.6%
AIB  3.6%

LTV up to 80%

KBC  3.19% Max 80% LTV (2.99% for current acc holders)
BOI
3.25% Max 80% LTV
MortgageStore.ie  3.25% Max 80% LTV
PTSB 3.3% Max 80%
AIB 3.6%  Max LTV 92%
EBS 3.6% Max 90%
LTV up to 90%

BOI 3.55% Max 90%
AIB
3.6%  Max LTV 92%
EBS 3.6% Max 90%
Haven  3.6% Max 90%
KBC 3.65% (Max 90%  3.45% for current acc holders)
PTSB 3.9%  Max 90%

Three Year Fixed Rates : 5 Year Fixed Rates ; Variable Rate Mortgages

 

Cashback Offers

BOI offer 2% cashback to all new customers (no maximum)   and potentially 3% for current account holders.
EBS  give 2% cashback to all new mortgage customers.
Ulster Bank offer €1500 towards legal fees for all new customers.
PTSB also offer 2% cashback for new customers until Dec 31st
KBC give €2000 to mortgage switchers only.

Fixed Rate Mortgages
With a fixed rate mortgage, the interest rate and monthly repayments are constant for  a specific period  –  usually one, two , three  of five years, although longer periods may be available.

A fixed rate means your repayments won’t cannot increase for a set period of time,but they will not fall either . As a result, you could  be protected from incease rate rises but you caould also miss out on lower interest rates.

Fixed rates may cost more over the long run but they offer peace of mind as you know your repayments will not rise.

During the fixed rate period, you will usually have to pay a penalty if you  switch lenders, or move to a variable rate.
With a fixed rate mortgage you cannot usually pay more each month than your standard repayment.