Three Year Fixed Rate Mortgages

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

Updated April 29th 2024


See some Mortgage Payment Calculations

Three-Year Fixed Rate Mortgage : LTV up to 90%

  1. Avant Money 4.05%
  2. PTSB 4.35% (Green Rate)
  3. Bank of Ireland  from 4.45% (Green Rate)
  4. Haven 4.75% (€5000 cashback available)**
  5. AIB 4.8%
  6. EBS  5%

 Three Years Fixed Rate: LTV up to 60%

  1. Avant Money 3.85%
  2. PTSB  4% (BER B3 or better)
  3. AIB 4.7%
  4. Haven  4.75%
  5. Bank of Ireland  4.75% (Lower rates for lower BER)
  6. EBS  5%

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.



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 Your 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 4 Year Fixed Rates ;
Lowest Variable Rate Mortgages