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Flex Mortgage
**Available from April 2025**

Introducing Flex Mortgage, the variable rate mortgage with a difference. Enjoy a low variable rate with built-in flexibility and peace of mind.
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Our products

Avant Money Products

We have a range of great products to suit your needs. Below, find out more information about Avant Money loans, mortgages, and credit cards.

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Personal loans

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

Avant Money loans
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Mortgages

Lower your monthly repayments and save thousands over the life of your mortgage with our 3, 4, 5, 7 and 10 year fixed rates.

Avant Money mortgages
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Credit cards

Think your credit card gives you great intro offers and everyday rewards? Think again. Our cards do.

Avant Money credit cards

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About us

Avant Money is the new name for Avantcard.

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A new vision for consumer lending

We’ve been offering credit products in Ireland for over twenty years. Originally as MBNA and more recently as Avantcard.

We’re really excited to continue bringing excellent value to Irish consumers under our new name, Avant Money, with our mortgages, credit cards and personal loans.

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Avant Money

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

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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 .

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.

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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.

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

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

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Warning: The cost of your monthly repayments may increase.

*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 7th November 2024 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.