Lowest Mortgage Rates in Ireland

Comparison of Mortgage Interest Rates in Ireland

We regularly do a comparison of the mortgage rates on offer to new customers from the major Irish lenders. Listed below are links to tables showing the current lowest home loan rates in Ireland. 

We compare variable interest rate mortgages as well as a selection of fixed-rate mortgages. Figures include the rates from new lender Avant Money.


The current  lowest mortgage rate available for first-time buyers who have only a 10% deposit is 2.3% fixed for 2 years with Ulster Bank.

Summary of Lowest Mortgage Interest Rates


Updated September 2020

Lowest Two Year Fixed Rates

Three Year Fixed Rates

Lowest 5 Year Fixed Rates

Lowest Variable Rate Mortgages

Best Buy to Let Mortgages


More information here on How Much You Can Borrow

See some Mortgage payment calculations here


Find out more about Irish Mortgage  Lending Limits


Mortgage Incentives :

  • BOI offer 2% cashback to all new customers and 3% to those who stay with them for 5 years. (no maximum cashback)
  • PTSB also offers 2% cashback lump sum  for new customers and 2% of the monthly repayments back until 2027
  • EBS also give 2% cashback to all new mortgage customers – plus another 1% if you stay with them for 5 years.
  • Ulster Bank offers €1500 towards legal fees for all new customers.
  • KBC will give €3000 to mortgage switchers only.
  • AIB give €2000 cashback for mortgage switchers.
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