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MORTGAGES & LOANS IN IRELAND

First Time Buyer Mortgage

So you want to buy your first home? Getting a mortgage as the first-time buyer has become more difficult recently due to rising prices and banking sector situation. Make sure that offers you get are really the best deals.

Remortgage

Is your mortgage deal coming to an end? It's time to shop around for remortgage. If you stay with your current lender after the end of agreed term of your mortgage you will revert to the Standard Variable Rate. This rate may not be as attractive as initial one.

Trading Up Mortgage

Thinking of moving home? Work out how much money will be available so that you know in what price range to look for. Don't forget that your current lender may not be able to provide you with the best deal. Focus on the goal and find your dream home knowing that you have your approval.

Investment Mortgage

Buy To Let mortgage, is designed for people who want to buy a property to let out to a third party. There are plenty of competitive investment mortgage deals on the market, let the brokers find the best one for you. Use your time to research your audience and areas for the investment.

Equity Release Mortgage

Equity release is an agreement between a homeowner (55+) and a lender that allows to supplement owner's income in retirement or finance home improvements unlocking the money tied up in their home.

FEATURED MORTGAGE LENDERS

AIB Loan
IIB Bank Mortgage
Bank of Ireland Loan
First Active Mortgage
Permanent TSB Mortgage
ACC Bank Loan
EBS Building Society Loans
Bank of Scotland Loans
Irish Nationwide Building Society Mortgage
ICS Mortgage Store

MORTGAGE RATES - COMPARE 12 IRISH LENDERS

  • AIB
  • Bank Of Ireland
  • Bank Of Scotland
  • First Active
  • Halifax
  • ICS
  • KBC
  • Irish Nationwide
  • Permanent TSB
  • NIB
  • Ulster Bank
  • EBS

AIB Homeloans

AIB HomeloansWhether you're looking for a Tracker Mortgage, Standard Variable rate mortgage, Fixed rate mortgage, First Time Buyer mortgage or Buy to Let / Investment mortgage, AIB offer a wide range of reasonably competitive mortgage products in Ireland.

Read more about AIB Homeloans

Mortgage Type
Rate
APR
Cost per €1000
LTV VARIABLE <=50%
2.25 %
2.28 %
5.180
LTV VARIABLE >50% <=80%
2.45 %
2.48 %
5.270
LTV VARIABLE >80%
2.65 %
2.68 %
5.370
1YR FIX EXISTING
2.85 %
2.34 %
5.470
1YR FIX FTB (NEW)
2.40 %
2.29 %
5.250
2YR FIX NEW & EX
2.80 %
2.39 %
5.440
3YR FIX NEW & EX
3.19 %
2.56 %
5.640
4YR FIX NEW & EX
3.57 %
2.79 %
5.830
5YR FIX NEW & EX
3.86 %
3.04 %
5.980
10YR FIX NEW & EX
4.65 %
4.21 %
6.400

Bank Of Ireland Mortgages

Bank Of IrelandBank of Ireland Mortgages is a member of the Bank of Ireland Group which is one of the world's longest established banks with a trading history of over 220 years. As well as a wide range of residential mortgages, BIM offer specialist rates for First Time Buyers, Buy to Let properties, remortgages and Self Certification mortgages.

Read more about Bank Of Ireland Mortgages

Mortgage Type
Rate
APR
Cost per €1000
VARIABLE VRP1 LTV <50% NEW
2.25 %
2.30 %
5.180
VAR VRP15 ALL LOAN AMOUNTS & LTVS EX
2.70 %
2.70 %
5.390
VAR VRP2 LTV 50-80% >500K NEW
2.35 %
2.40 %
5.220
VAR VRP3 LTV 50-80% <500K NEW
2.40 %
2.40 %
5.250
VAR VRP4 LTV >80% >500K NEW
2.55 %
2.60 %
5.320
VAR VRP5 LTV >80% <500K NEW
2.60 %
2.60 %
5.350
1YR FIXED FTB ROLL TO VAR VRP5 NEW
2.35 %
2.60 %
5.220
2YR FIX FTB ROLL TO VAR VRP5
2.65 %
2.60 %
5.370
2YR FIX LTV ALL LTVS ROLL TO VAR VRP5 NEW
2.99 %
2.70 %
5.540
2YR FIX ROLL TO VAR VRP15 ALL LTVS EX
3.15 %
2.80 %
5.620
2YR FIX TUB ONLY ROLL TO VAR VRP5 NEW
2.85 %
2.70 %
5.470
3YR FIX ALL LTVS ROLL TO VAR VRP5 NEW
3.39 %
2.90 %
5.740
3YR FIX ROLL TO VAR VRP15 ALL LTVS EX
3.60 %
3.00 %
5.850
5YR FIX ALL LTVS ROLL TO VAR VRP5 NEW
3.99 %
3.30 %
6.050
5YR FIX ROLL TO VAR VRP15 ALL LTVS EX
4.25 %
3.50 %
62 6.180

Bank Of Scotland

Bank Of ScotlandBank of Scotland (Ireland), has become one of Ireland's leading business banks, has now become a full service bank with the rapid development of its personal banking business under the Halifax brand.

Read more about Bank Of Scotland

Mortgage Type
Rate
APR
Cost per €1000
LTV VARIABLE ALL LOAN AMOUNTS <= 80% NEW
5.90 %
6.06 %
7.110
1YR FIXED NEW
6.35 %
6.21 %
7.370
2YR FIXED NEW
6.80 %
6.36 %
7.630
3YR FIXED NEW
7.15 %
6.57 %
7.840
5YR FIXED NEW
7.75 %
7.12 %
8.210

First Active

First ActiveFirst Active offers a wide range of mortgage and investment packages in the Irish Mortgage market. Whether you're looking for a no-nonsense instant access account or a diversified investment portfolio, First Active Mortgages have a range of products to suit different needs.

Read more about First Active

Mortgage Type
Rate
APR
Cost per €1000
BRANCH FLEXIBLE VARIABLE <80% LTV
3.65 %
3.70 %
5.880
BRANCH FLEXIBLE VARIABLE >80% LTV
3.75 %
3.80 %
5.930
BRANCH 2YR EXISTING ROLL TO VAR RATES
4.20 %
4.00 %
6.170
BRANCH 2YR FIX ALL ROLL TO VARIABLE RATES
4.20 %
4.00 %
6.170
BRANCH 3YR EXISTING ROLL TO VAR RATES
4.30 %
4.10 %
6.220
BRANCH 3YR FIX ALL ROLL TO VARIABLE RATES
4.30 %
4.10 %
6.220
BRANCH 5YR EXISTING ROLL TO VAR RATES
4.95 %
4.50 %
6.570
BRANCH 5YR FIX ALL ROLL TO VARIABLE RATES
4.95 %
4.50 %
6.570

Halifax

HalifaxBank became known as Halifax at the end of 2006 and prior to that their personal banking branches and products were known as Bank of Scotland (Ireland). Bank of Scotland (Ireland) is also a very successful business bank and has operated in Ireland in one form or another for over 70 years.

Read more about Halifax Mortgages

Mortgage Type
Rate
APR
Cost per €1000
VARIABLE <50% LTV
4.15 %
4.23 %
6.140
VARIABLE 50%-80% LTV
4.30 %
4.39 %
6.220
FTB FIXED 1 YEAR
4.45 %
3.48 %
6.300
FTB FIXED 2 YEAR
4.45 %
3.60 %
6.300
FIXED 2 YEAR
4.60 %
3.63 %
6.380
FIXED 3 YEAR
5.10 %
3.92 %
6.650
FIXED 5 YEAR
5.55 %
4.48 %
6.910

ICS Building Society

ICS Building SocietyICS Building Society launched the first Mortgage Store back in 1989, with the opening of their Grafton Street store. The objective of the store was to provide a fresh alternative to the traditional mortgage experience offered by banks and building societies.

Read more about ICS

Mortgage Type
Rate
APR
Cost per €1000
VARIABLE VRP11 LTV <50% NEW
2.35 %
2.40 %
5.230
VARIABLE VRP12 LTV 50-80% >500K NEW
2.45 %
2.50 %
5.270
VARIABLE VRP13 LTV 50-80% <500K NEW
2.50 %
2.50 %
5.300
VARIABLE VRP14 LTV>80% >500K NEW
2.65 %
2.70 %
5.370
VARIABLE VRP15 ALL LOAN AMTS & LTVS EX
2.70 %
2.70 %
5.400
VARIABLE VRP15 LTV>80% <500K NEW
2.70 %
2.70 %
5.400
1YR FIXED 19/01/11 FTB ROLL TO VAR VRP15 NEW
2.45 %
2.70 %
5.270
2YR FIXED 19/01/12 TO FTB ONLY - ROLLING TO VARIABLE VRP15
2.75 %
2.70 %
5.420
2YR FIX 19/01/12 ALL LTV ROLL TO VAR VRP15 NEW
3.09 %
2.80 %
5.590
2YR FIX 19/01/12 ROLL TO VAR VRP15 EX
3.15 %
2.80 %
5.620
2YR FIX 19/01/12 TUB ONLY ROLL TO VAR VRP15 NEW
2.95 %
2.80 %
5.520
3YR FIX 18/01/13 ALL LTVS ROLL TO VRP15 NEW
3.49 %
3.00 %
5.790
3YR FIX 18/01/13 ROLL TO VRP15 EX
3.60 %
3.00 %
5.850
5YR FIX 19/01/15 ALL LTVS ROLL TO VAR VRP15 NEW
4.09 %
3.40 %
6.110
5YR FIX 19/01/15 ROLL TO VAR VRP15 EX
4.25 %
ac 3.50 %
6.190

KBC Bank Ireland

KBC Bank IrelandKBC Bank Ireland is one of the leading providers of financial services in Ireland. Established in 1973, we are part of a major European financial services group, the KBC Group (one of the Worlds Top 50 Banks), which is headquartered in Brussels.

Read more about KBC

Mortgage Type
Rate
APR
Cost per €1000
HOMELOANS NEW SAVERPLUS VARIABLE
2.45 %
2.53 %
5.270
HOMELOANS 1YR FIX NEW
2.75 %
3.23 %
5.420
HOMELOANS 2YR FIX NEW
3.29 %
3.30 %
5.690
HOMELOANS 3YR FIX NEW
3.69 %
3.42 %
5.900

Irish Nationwide

Irish NationwideIrish Nationwide offers a wide range of mortgage and loan products for both residential and commercial customers.

Read more about Irish Nationwide

Mortgage Type
Rate
APR
Cost per €1000
VARIABLE NEW BUS
2.74 %
2.77 %
5.420
2YR FIX NEW BUS
2.99 %
2.83 %
5.540
3YR FIX NEW BUS LTV <= 70%
3.15 %
2.90 %
5.620
3YR FIX NEW BUS LTV > 70%
3.50 %
3.00 %
5.800
5YR FIX NEW BUS
4.95 %
3.86 %
6.570

Permanent TSB

Permanent TSBPermanent TSB is the retail banking division of Irish Life & Permanent plc. Irish Life & Permanent plc was formed by the merger of Irish Permanent plc and Irish Life plc in April 1999. This merger brought together the combined strengths of Ireland's bigger home loans provider and the country's largest insurance company.

Read more about Permanent TSB

Mortgage Type
Rate
APR
Cost per €1000
ONEPLAN VARIABLE
3.19 %
3.20 %
5.640
VARIABLE MATURITY PRODUCT <80%
3.55 %
3.60 %
5.830
VARIABLE MATURITY PRODUCT >80%
3.65 %
3.70 %
5.880
1YR DISC VARIABLE <80%
3.50 %
3.60 %
5.800
1YR DISC VARIABLE >80%
3.60 %
3.70 %
5.850
2YR FIX EX
5.25 %
4.10 %
6.740
2YR FIX NEW
3.10 %
3.60 %
5.600
5YR FIX EX
5.75 %
4.80 %
7.020
5YR FIX NEW
3.70 %
3.70 %
5.900
7YR FIX EX
6.10 %
5.30 %
7.220
7YR FIX NEW
4.50 %
4.30 %
6.330
10YR FIX EX
6.10 %
5.80 %
7.220
10YR FIX NEW
4.50 %
4.40 %
6.330

National Irish Bank

National Irish BankNational Irish Bank, as part of the Danske Bank Group has an AA1 credit rating from Moody's ratings agency, and is the highest-rated full service bank operating in the Republic of Ireland.With over 650 employees in the Republic of Ireland, National Irish Bank serves its growing number of personal customers through its branch network.

Read more about National Irish Bank

Mortgage Type
Rate
APR
Cost per €1000
OFFSET MORTGAGE
3.65 %
3.71 %
5.880
LTV VAR RATE (LTV <=60%)NEW
3.15 %
3.20 %
5.620
LTV VAR RATE (LTV >60%)NEW
3.40 %
3.46 %
5.750
2YR LTV FIXED (LTV<=50%)
4.23 %
4.25 %
6.180
2YR LTV FIXED (LTV=60%)
4.33 %
4.27 %
6.270
2YR LTV FIXED (LTV=80%)
4.53 %
4.32 %
6.340
3YR LTV FIXED (LTV<=50%)
4.63 %
4.39 %
6.400
3YR LTV FIXED (LTV=60%)
4.73 %
4.42 %
6.450
3YR LTV FIXED (LTV=80%)
4.93 %
4.49 %
6.560
5YR LTV FIXED (LTV<=50%)
5.20 %
4.76 %
6.710
5YR LTV FIXED (LTV=60%)
5.30 %
4.82 %
6.770
5YR LTV FIXED (LTV=80%)
5.50 %
4.92 %
6.880

Ulster Bank

Ulster BankUlster Bank is one of the largest banks in Ireland and provides a comprehensive range of financial services to personal, small business and large corporate and institutional customers across the whole of the island of Ireland - its success firmly rooted in its long and distinguished heritage.

Read more about Ulster Bank Mortgages

Mortgage Type
Rate
APR
Cost per €1000
FLEXIBLE VARIABLE RATE<80% LTV
3.85 %
3.90 %
5.980
FLEXIBLE VARIABLE RATE >80% LTV
3.95 %
4.00 %
6.030
FLEXIBLE VARIABLE RATE WITH UFIRST DISCOUNT < 80% LTV
3.65 %
3.70 %
5.880
FLEXIBLE VARIABLE RATE WITH UFIRST DISCOUNT > 80% LTV
3.75 %
3.80 %
5.930
SECURE STEP 5YR FIXED 31/12/14
3.95 %
4.00 %
6.030
SECURE STEP FLEXIBLE VARIABLE < 95% LTV
2.95 %
3.00 %
5.520
2YR FIXED 31/12/11
4.20 %
4.00 %
6.170
3YR FIXED 31/12/12
4.30 %
4.10 %
6.220
5YR FIXED 31/12/14
4.95 %
4.50 %
6.570

EBS Building Society

EBSMutual building society, established and run on behalf of their members. EBS remains true to their founding principle of members' mutual support for each other. EBS do not have to focus on the short-term financial demands of external shareholders so EBS is in a unique position to focus on their members' needs and on areas of collective interest to all their members unlike other institutions.

Read more about EBS

Mortgage Type
Rate
APR
Cost per €1000
VARIABLE EXISTING
2.63 %
2.70 %
5.360
1YR FIX NEW
2.80 %
2.70 %
5.450
2YR FIX NEW
3.15 %
2.80 %
5.620
3YR FIX NEW
3.65 %
3.30 %
5.880
5YR FIX NEW
4.25 %
3.50 %
6.190
10 YR FIX NEW
5.10 %
4.70 %
6.650
TIERED VARIABLE<=250K<=50%
2.55 %
2.60 %
5.320
TIERED VARIABLE<=250K>50%<=80%
2.60 %
2.60 %
5.350
TIERED VARIABLE<=250K>80%
2.67 %
2.70 %
5.380
TIERED VARIABLE>250K<=500K<=50%
2.45 %
2.50 %
5.270
TIERED VARIABLE>250K<=500K>50%<=80%
2.55 %
2.60 %
5.320
TIERED VARIABLE>250K<=500K>80%
2.65 %
2.70 %
5.370
TIERED VARIABLE>500K<=50%
2.35 %
2.40 %
5.230
TIERED VARIABLE>500K>50%<=80%
2.55 %
2.60 %
5.320
TIERED VARIABLE>500K>80%
2.65 %
2.70 %
5.370
Banking Analysis, Banking Consultants, Bank Advice

All figures are based on a 20-year loan term. Last Updated: 09/02/2010. Mortgage Rates prepared in association with Bankhawk.com

© Mortgages & Loans Ireland 2008-2009

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