Lowest 2 Year Fixed Rate Mortgages

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

Updated January 17th 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 (4.65% otherwise)
  • 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). 4.65% for others
  • 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.


Sometimes, the large number of different mortgage options available can be overwhelming.
Help is available from Money Sherpa. Their team of experienced and fully qualified mortgage advisors know the mortgage market inside out.
Some lenders , such as Avant and Haven , are only accessible through brokers such as Money Sherpa .

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Cashback Mortgage Offers

Haven gives new customers €5000 cashback on fixed-rate mortgages over €250,000

BOI offer 2% cashback to all new customers (no maximum)  and potentially 3% for current account holders.

AIB give €2000 cashback to switchers.

PTSB also offers 2% cashback for new customers

EBS gives up to 3% cashback to new mortgage customers.


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 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