One Mortgage: fixed repayments for the full term of your mortgage

When you take out a mortgage, certainty matters. You want to know what your repayments will look like not just next year, but for the long term. If rates rise elsewhere, it’s great to be able to sit back and relax, knowing that your repayment won’t be affected.

The Avant Money One Mortgage offers something not otherwise available in Ireland ¹. It gives you one fixed rate for the full term of your mortgage, meaning your repayment will also stay the exact same for the full term. Unlike standard fixed-rate mortgages, which usually last a few years, this is a long-term fixed mortgage. You can choose to fix your rate for 15, 20, 25 or even 30 years, giving you greater certainty over your repayments. This can help you plan ahead with more confidence. Here’s a quick breakdown of how it works and why that could make a real difference.

Fixed repayments you can trust

One monthly payment, from start to finish

The Avant Money One Mortgage is the only mortgage in Ireland where your repayment will never change for the entire mortgage term ¹. This means:

• You’re protected from interest rate increases during the fixed period
• Budgeting becomes simple

This can mean more confidence planning ahead for the future.

Flexibility when you need it

Overpay and save on interest

One Mortgage is built around certainty for the future, but that does not mean giving up flexibility. You still have a level of freedom that can help if your finances change over time.

• Overpay up to 10% of your mortgage balance annually without penalty with the ability to make up to two overpayments per calendar year ³.
• Pay off your mortgage early with a capped early redemption fee which is not usually available with fixed rate mortgages in Ireland ². The maximum early redemption fee will not be any more than 2% of the remaining balance in the first 10 years, reducing to 1.5% of your remaining balance after that.

That gives you more control if you want to reduce your balance faster, save on interest over time, or make different choices as your circumstances change.

Moving home? Let One Mortgage help

If your circumstances change and you plan to move home, One Mortgage can still offer flexibility.

Under the terms of the product, your early redemption fee may be waived or refunded if you take a new mortgage with us for the same amount and term within 12 months of redeeming your old mortgage. That can be a nice bonus if you are moving home and want to stay with Avant Money.

As always, it is important to check the terms carefully, but this feature can be a stable benefit if your plans change in the future.

A little extra when it matters

Cashback when you draw down

The One Mortgage offers 1% cashback as part of the package.* That can be especially useful when you consider the many costs of buying a house in Ireland.

For example, 1% cashback on a €400,000 mortgage would return €4,000, a useful boost at potentially the most expensive stage of buying a home.

Bringing certainty and flexibility together

The Avant Money One Mortgage brings together three features that matter to many home buyers:

• Certainty through stable repayments
• Flexibility with the ability to overpay or move
• Value with features like cashback

Taken together, these features can make One Mortgage a strong option for customers who want certainty on their repayments without losing useful flexibility along the way.

Could One Mortgage be right for you?

If you want the certainty of knowing exactly what your monthly mortgage repayment will be for the full term of your mortgage, accepting that you will benefit if interest rates rise, but could end up paying more if interest rates fall, One Mortgage offers a truly different approach.

With fixed repayments from start to finish, the ability to overpay, potential flexibility if you move home, and cashback when you draw down, it is designed for customers who value a stable life but still want room to adapt.

If you’re starting to plan seriously, it’s worth checking the documents you may need for a mortgage application or view our first time home buyer guide if you are at an earlier stage.

As with any mortgage, it is important to consider your individual circumstances and review the terms carefully before you decide if it is the right fit for you.

¹ One Mortgage unique/only claim and claim of competitive follow-on variable rates based on comparison against competitor mortgage products as advertised on their websites at 1st July May 2026. One Mortgage is designed to give a fixed rate for the full mortgage term (between 5 and 30 years), whereas competitor fixed rate mortgage products are designed to provide a fixed rate for a set number of years (between 1 and 10), following which they revert to a managed variable rate or a new fixed rate.

² Claim that benefit is not usually available with fixed rate mortgages in Ireland based on review of other lender websites as at 1st July 2026.

³ A 10% overpayment allowance is based on the balance at the start of each year. A early redemption fee may apply for overpayments above your allowance. A maximum of two overpayments per calendar year are allowed.

* Cashback is available on a New or Top-Up Mortgage drawn down between 1 January 2026 and 31 December 2026. For phased drawdown mortgages, the cashback amount will be calculated based on the initial mortgage drawdown amount.

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 May 2026 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). 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.

Bankinter S.A. trading as Avant Money, is authorised by the Banco de Espana in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.