Lowest 2 Year Fixed Rate Mortgages

Best Interest Rates on Two-Year Fixed Rate Mortgages in Ireland

Updated April 29th 2024 (New Customers Only in most cases)

Note – You will get better rates on longer-term fixed-rate mortgages


Lowest Mortgage Rates With LTV up to 90%

  • Bank of Ireland  4.35% for BER B3 or better
  • Haven 4.65%
  • AIB 4.7%
  • EBS  4.9%
  • PTSB 5.1%


LTV up to 60%

  • Bank of Ireland  4.35% (BER B3 or better).
  • AIB 4.6%
  • Haven 4.65%
  • PTSB 4.75%
  • EBS 4.9%

Three Year Fixed Rates : 4 Year Fixed Rates


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.




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, but they will not fall either. As a result, you could be protected from interest 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