Mortgages Home Header new

Flex Mortgage
The variable rate mortgage with a difference.

Enjoy a low variable rate with built-in flexibility and peace of mind.
Apply for Flex Mortgage Find out more
couple painting their new house

Blog highlight and products

Credit Cards

Switch to the credit card that best fits your needs. 

Explore our credit cards

Loans

Our fixed rates guarantee the same rate, every single day. No surprises. Find out more about our wide range of loan options.

Explore our loans

Mortgages

Explore our range of innovative mortgage products designed to suit your needs.

Explore our mortgages
Woman on sofa with laptop

Demystifying the costs of buying a house in Ireland

 

Buying your first house is an exciting milestone, it’s important to get prepared and consider all of the costs of buying a house.

Read more

ruler home

single card

About Us

Avant Money is the Irish branch of Bankinter, a leading European bank with operations in Spain, Portugal, Luxembourg and Ireland.

We offer Irish consumers a wide range of credit products designed with an emphasis on innovation and value.

Learn more

ruler financial difficulties

title

Avant Money

An award-winning consumer finance company providing you with personal loans, mortgages and credit cards.

logo list

Ruler Home

Repayment Difficulties

Repayment Difficulties

 

Are you concerned about missing a repayment? We’re here to help.

Click here for cards and loans support or click here for mortgage support .

*Important Information

Lending criteria and terms and conditions apply. The monthly repayment on a 20-year mortgage with Loan to Value (LTV) greater than 80% with variable borrowing rate of 3.95% on a mortgage of €100,000 is €603.35 for 240 months. Total amount repayable is €145,028.74. If interest rates increase by 1% an additional €53.85 would be payable per month. For this example, Annual Percentage Rate of Charge (APRC) of 4.0% applies and consists of variable borrowing rate of 3.95%, valuation fee of €185, and security release fee of €40. LTV is the amount borrowed as percentage of the value of your home. Information correct at 1st April 2025 and subject to change. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income (4.0 for first time buyers) and 90% of the property value (80% for switchers). The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home. Applications from residents of ROI over the age of 18 only, and subject to repayment capacity, financial status and property valuation. We require property and life insurance.

Benchmark Variable Rate Loans warning

The following warning applies in the case of the Flex Mortgage which is a Benchmark Variable Rate loan:
Warning: If you switch to an alternative product, you will not be contractually entitled to go back on a benchmark variable rate loan in the future.

warning box 1 New 2

Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or BNPL agreement in the future.

warning box 2 New 2

Warning: You may have to pay charges if you pay-off a fixed rate loan early.

warning box 3 New 2

Warning: If you do not keep up your repayments, you may lose your home.

warning box 4 New 2

Warning: The cost of your monthly repayments may increase.