Compare 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 our pages showing the current lowest mortgage rates on offer for you to make comparisons.  We compare variable interest rate mortgages as well as a selection of fixed-rate mortgages.

Fixed rates are currently lower than variable-rate mortgages in Ireland .

Mortgage rates were at low levels for a few years now – but ECB rate increases resulted in mortgage rate rises in 2023. Mortgage rates may start to decrease in 2024.

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


The lowest fixed rate for a 90% LTV is a 4-year fixed rate of 3.45% (If the house has a BER better than C1) Haven .
Avant Money has a 3-year fixed rate of 4.05% with no BER conditions.



For an LTV under 60% the lowest fixed mortgage rate without any BER requirements, is currently available from PTSB at 3.8% (Fixed for 4 years).
You can get 3.45% fixed for 4 years on houses with a BER of B3 or better from Haven.
Both of these mortgages are only available through brokers.

Whilst we strive to maintain the various charges and rates and update them when changes occur – customers should double-check with the financial institutions or companies for confirmation of current rates or prices.


Switching Mortgage


If you have had a mortgage for a few years – you will owe less on it and the value of your house will have increased. For example – if you took out a €300,000 mortgage on a €330,000 house 5 years ago with a rate of 3.7% – you will now owe €260,000. House prices have risen about 40% in the past 5 years – so it is probably worth around €460,00. This works out at an LTV (Loan to Value) of just 57% – which will allow you to get a much lower mortgage interest rate. See some examples of Mortgage Switching Calculations .




Summary of Lowest Mortgage Interest Rates

Updated May 2024

Two Year Fixed Rate Mortgages

Three Year Fixed Rates

Lowest 4 Year Fixed Rates

Lowest Variable Rate Mortgages

Buy to Let Mortgages


More information here on How Much You Can Borrow

Details of Mortgage Lending Limits in Ireland

See some Mortgage repayment calculations here

You might also want to check these interesting figures on Cashback Mortgages



Fixed Rate or Variable – Which is Best ?

The most important thing to remember is with a fixed rate, you have the safety of knowing exactly what your mortgage repayments will be for a certain period. You will not be affected by sudden increases (or decreases).  With interest rates at their lowest for many years – it is likely that variable rates will increase during the next few years.

Over the past several years it was usually the case that variable mortgage rates were often lower than fixed rates –  but right now some of the fixed rate deals are lower than variable rates.

Find out more about Irish Mortgage Lending Limits

Mortgage Cashback :

  • Haven will give €5000 cashback on fixed-rate mortgages of €250k plus. (excluding 4 year fixed rate green mortgage)
  • 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 (not on the 4 year fixed rate) and 2% off the monthly repayments back until 2027
  • EBS also give 2% cashback to all new mortgage customers (not on Green rate)- plus another 1% if you stay with them for 5 years.
  • AIB give €3000 cashback for switchers.
  • Avant gives 1% cashback

How Much Can You Save By Switching Mortgage?