Three Year Fixed Rate Mortgages

Lowest Interest Rates on Three Year Fixed Rate Mortgages in Ireland .

Updated October 12th 2018

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Three Years Fixed Rate: LTV up to 90%

  1. KBC 2.85%  (2.65% for current account customers)
  2. Ulster 2.99% (2.9% available for current acc holders)
  3. Bank of Ireland  3%
  4. EBS  3%
  5. PTSB 3.15%
  6. AIB / Haven 3.2%


Three Years Fixed Rate:
LTV up to 80%

  1. KBC  2.8% (2.6% for current acc holders)
  2. Ulster Bank 2.95% (2.85% for current acc holders)
  3. PTSB 2.9%
  4. Bank of Ireland  3%
  5. EBS 3%
  6. AIB /Haven  3.2%
  7. Perrper 3.2%

 Three Years Fixed Rate: LTV up to 60%

  1. KBC 2.75% (2.55% for  current acc holders) Max 60%
  2. Ulster Bank 2.9%  Max 60% (2.8% for curr acc holders)
  3. Bank of Ireland  3%  Max 60%
  4. EBS 3 %
  5. PTSB 3.05% Max 60%
  6. AIB 3.2%

The banks have various cashback deals – which will affect the overall cost of the mortgage.  You can see some comparisons here of the Savings you can make by Switching Mortgage. Of course – the comparison is useful for First Time Buyers too.

With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time. Fixed rates are commonly available over one, two or three years, although longer periods may be available.

Although a fixed rate means your repayments cannot increase for a set period of time, your repayments will not fall during the fixed rate period. As a result, you could miss out on lower interest rates and lower repayments.

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

See some Mortgage Payment Calculations

See How Much You Could Borrow here

More Mortgage Rates Comparisons  Below

Two Year Fixed Rates ;
Lowest 5 Year Fixed Rates ;
Lowest Variable Rate Mortgages