4 Year Fixed Rate Mortgages

Best Interest Rates on 4 Year Fixed Rate Mortgages in Ireland.

Rates checked 17th Jan 2024


LTV up to 90%

  • Haven 3.65% (BER B3 or better)
  • Bank of Ireland   3.65% (Over €250k and BER B3 or better) 3.95% otherwise
  • EBS 3.75% (BER B3 or better)
  • Avant 4.1% Broker Only
  • PTSB 4.35%
  • AIB  4.55% Min loan 250k
  • AIB 4.85%


LTV up to 60%


  • Haven 3.65% (Broker only) BER B3 or better
  • EBS 3.75% (BER B3 or better)
  • Avant Money 3.95%
  • PTSB 4%
  • AIB  4.75%

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 .


Cashback Incentives  for new Mortgages

Haven gives new customers €5000 cashback on most fixed-rate mortgages over €250,000. Cashback of €2000 on loans under €250,000

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

AIB offers €2000 towards legal fees for switchers.

PTSB offer 2% cashback for new mortgage customers AND PTSB also gives 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 Rate Mortgages  

Three Year Fixed Mortgage Rates

Lowest Variable Rate Mortgages