4 or 5 Year Fixed Rate Mortgages

Best Interest Rates on 4 or 5 Year Fixed Rate Mortgages in Ireland.

Rates checked November 11th 2021


LTV up to 90%

  • Haven 2.15% (4 Year Fixed) BER B3 or better. (Broker Only)
  • AIB  2.25% *(BER B3 or better)
  • ICS 2.5%
  • Avant Money 2.5% (Broker only)
  • Ulster 2.55 %
  • AIB 2.55%
  • Haven 2.55% (Broker Only) €5000 cashback on mortgages over €250.000)
  • EBS  2.75%
  • Finance Ireland 2.8% (Broker Only)
  • KBC 2.8% (2.5% for current acc holders)
  • Bank of Ireland   3%
  • PTSB 3%

You can check all the current mortgage rates available for first-time buyers with a 10% deposit at the Switcher Website . Using Switcher allows you to take your mortgage search to the next stage.


LTV up to 80%

  • AIB 2.15% (BER B3 or better)
  • Haven 2.15% (4 Year Fixed) BER B3 or better. (Broker Only)
  • ICS 2.2% (Broker Only)
  • Avant Money 2.2% (Broker Only)
  • Finance Ireland 2.35% (Broker Only)
  • AIB 2.45%
  • Ulster 2.45%
  • Haven 2.55% (Broker Only)

LTV up to 60%

  • ICS 1.95% (Broker Only)
  • Avant 1.95% (Broker Only)
  • Haven 2.15% 4 Years (BER B3 or better)
  • Finance Ireland 2.3% (Broker Only)
  • Ulster 2.35%
  • AIB  2.45% (2.1% if BER B3 or better)
  • Haven 2.55% (Broker only)

Book a free no obligation mortgage advice call with our mortgage partner moneysherpa.ie

Cashback Incentives  for new Mortgages

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

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

KBC gives €3000 cashback for switchers and €1500 for first-time buyers.

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 Rate Mortgages  

Three Year Fixed Mortgage Rates

Lowest Variable Rate Mortgages


Tip: 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.