5 Year Fixed Rate Mortgages

Best Interest Rates on 5 Year Fixed Rate Mortgages in Ireland.

Rates checked July 9th 2021

If you are looking for a mortgage in Northern Ireland you should visit the Unbiased website where you can get access to Mortgage Advisors in your area.


LTV up to 90%

  • AIB  2.25% *(BER B3 or better)
  • Ulster 2.55 %
  • AIB 2.55%
  • Haven 2.55%
  • Finance Ireland 2.8%
  • KBC 2.8% (2.5% for current acc holders)
  • EBS  2.9%
  • Bank of Ireland   3%
  • PTSB 3%

LTV up to 80%

  • AIB 2.15% (BER B3 or better)
  • Finance Ireland 2.35%
  • AIB 2.45%
  • Ulster 2.45%
  • Haven 2.55%
  • KBC 2.65%   (2.45% for  curr acc holders)
  • EBS  2.9%
  • PTSB 3%
  • Bank of Ireland  3%

LTV up to 60%

  • Finance Ireland 2.3%
  • Ulster 2.35%
  • AIB  2.45% (2.15% if BER B3 or better)
  • Haven 2.55%
  • KBC 2.6% (2.4% for  curr acc holders)
  • EBS  2.9%
  • PTSB 3%
  • BOI 3%


Cashback Incentives  for new Mortgages

BOI offers up to 3% cashback to all new customers (no maximum )


KBC gives €3000 cashback but only for switchers.

AIB offers €2000 towards legal fees for switchers.

EBS offers up to 3% cashback

Ulster Bank offers €1500 towards legal fees for all new customers.

PTSB offer 2% cashback for new mortgage customers AND PTSB also give customers 2% cashback on their mortgage repayments every month until 31 December 2027. To get the cashback monthly offer the mortgage must be paid from a PTSB Explore Account.

Two Year Fixed Rates  

Three Year Fixed Mortgage Rates

Lowest Variable Rate Mortgages