Lowest Mortgage Rates

Lowest Interest rates on Variable Rate Mortgages in Ireland.

Updated January 9th 2021

Listed below are the lowest variable mortgage rates available in Ireland for new customers. We have sorted the rates by maximum LTV.


LTV , or Loan to Value, is the size of your mortgage in relation to the value of the property you want to purchase.
LTV is shown as a percentage. For example, f
or a mortgage of €300,000 on a property that costs €400,000, the  LTV would be 75%.
The Lowest Variable Mortgage Rates will be offered on the lowest LTV.


Mortgages up to 90% LTV

  • AIB 3.15% LTV Max 90%
  • Haven 3.15% Max 90%
  • Finance Ireland 3.15%
  • ICS Mortgages 3.15%
  • KBC 3.5% Max 90%  (3.3% for KBC current account holders)
  • Ulster 3.6% Max  90% (current account required)
  • EBS 3.7% Max 90% LTV
  • PTSB 3.9% Max 90% (Initial rate of 3.4% for 12 months)
  • BOI  4.5%

Mortgages up to 80% LTV

  • AIB 2.95%  Max 80%
  • Haven 2.95% Max 80% LTV
  • Finance Ireland 2.95%
  • ICS Mortgages 2.95%
  • KBC  3.25%    LTV max 80%  (3.05% for current account holders)
  • EBS 3.5%  max  80% LTV
  • Ulster 3.7%  Max LTV 80% (3.2% for current acc holders )
  • PTSB 3.85%  (0.5% discount for 12 months) Max 80% LTV
  • BOI 4.2%  (61 to 80%)

Mortgages  up to 60% LTV

  • ICS Mortgages 2.7%
  • AIB 2.95%
  • Finance Ireland 2.95%
  • Haven  2.95%
  • KBC 3.2% (3.0% for current account holders)
  • Ulster 3.5% (3.1%  for curr acc holders)
  • EBS 3.5%
  • PTSB 3.7% (3.2% for 12 months)
  • BOI 3.9%

Mortgages with LTV 50% or less

  • ICS  2.7%
  • AIB   2.75% LTV below 50%
  • Haven 2.75% Max 50% LTV
  • KBC 3.2% Max 50% (3% for KBC current account holders)
  • EBS 3.3% Max 50%
  • Ulster 3.5% LTV max 60% (3.1% for curr acc holders)
  • PTSB   3.6%  (Discounted to 3.1%  for 12 months) Max 50%
  • Bank of Ireland  3.9% LTV Max 60%

New Mortgage Customer  Cashback Incentives

  • BOI offer up to 3% cashback to all new customers (no maximum )
  • KBC offer €3000 towards legal fees only for switchers.(ends June 2021)
  • AIB offers €2000 cashback for switchers.
  • EBS offers up to 3% cashback to new customers
  • Ulster Bank offer €1500 towards legal fees for all new customers.
  • PTSB offer 2% cashback for new mortgage customers

 Fixed Mortgage Interest Rates

Best Two Year Fixed Rates

Lowest three Year Fixed Rates

Lowest 5 Year Fixed Rates


See our page on Historical Mortgage Rates