Lowest 2 Year Fixed Rate Mortgages

Lowest Rates on  2 Year Fixed Rate Mortgages in Ireland

Updated September 11th 2019 (New Customers Only in Most cases)


LTV up to 90%

Ulster 2.3%
KBC
2.5%   (2.3% for current acc holders)
Bank of Ireland  2.9%
EBS  3%
AIB/ Haven 3.15%
PTSB 3.6%


LTV up to 80%

Ulster Bank 2.3%
KBC  2.5%   (2.3% for current acc holders)
Bank of Ireland  2.9%
EBS
3%
AIB/ Haven 
3.15%
PTSB
3.3%


LTV up to 60%

Ulster 2.3%
KBC 2.45%    (2.25% for current account holders)
Bank of Ireland  2.9% 
EBS 3%
AIB 3.15%
Haven  3.15%
PTSB 3.2%

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 gives up to 3% cashback to all new mortgage customers.
AIB give €2000 to switchers.
Ulster Bank offers €1500 towards legal fees for all new customers.
PTSB also offers 2% cash back for new customers
KBC gives €3000 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 or five years, although longer periods may be available.

A fixed-rate means your repayments won’t increase for a set period of time, but they will not fall either. As a result, you could be protected from increase rate rises but you could 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.

See some Mortgage Payment Calculations