Mortgages apply now

Ireland’s best mortgage for Switchers*
Low fixed rates from just 2.25% (2.44% APRC) with great flexible features.**

Mortgage calculators

Mortgage calculators

How much will it cost?

See how much your monthly repayments would be and how much you could save if you’re switching to us.

How much can I borrow?

See how much you could borrow based on your income and outgoings.

Get approval

Take your first step with Avant Money and get approval in principle in less than ten minutes.

Mortgage calculators are hosted by our partner 'OnlineApplication'.

Mortgages features and benefits

Market leading features and benefits you won’t find anywhere else.***

Try out our calculators to see how much you could save today!
Fixed rates from 2.25% (2.44% APRC)
Whether switching or buying, we’ve got great fixed rates from 2.25%.
Tailored to you
Repay your mortgage over terms from 5 to 30 years. Choose a fixed rate option between 3 and 30 years.
Pay more, save more
10% annual overpayment allowance so you can save thousands, giving you the option to pay off your mortgage sooner. †
Max 90% loan to value
Borrow up to 90% of the value of your house for first-time buyers and up to 80% for home movers and switchers.
Flexibility built-in
Simple and fair max 2% early redemption fee if you redeem your mortgage. We will waive or refund this fee if you keep your mortgage with us.††
Selected brokers
Our mortgages are available exclusively from selected mortgage brokers who will offer you advice to select the right product for you.

One Mortgage features

One Mortgage

One fixed rate for the whole term. The One and only mortgage you’ll need.

check_circleOne fixed rate for your entire mortgage term.
check_circleFlexibility to overpay and move house without penalty.††
check_circleLifetime fixed rate terms from 15 to 30 years.

Fixed term rates features

Fixed term rates

Take the complexity out of buying or switching with our simple, low rate mortgages fixed from 3 to 10 years.

check_circleChoice. Fixed rates for 3, 4, 5, 7 or 10 years.
check_circleLow fixed rate mortgages from only 2.25% (2.44% APRC).
check_circleSavings. Market leading follow-on variable rates from 2.45%.†††

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Our mortgage products

Choose between 3 and 30 year fixed terms. Rates from 2.25% (2.44% APRC).

Mortgages three cards, brokers faqs, and about us

Brokers

A mortgage broker does more than just help find the right product for you. They’ll guide you through the mortgage journey and answer any questions you may have.


Mortgage FAQs

Everything you need to know about our mortgage products. Useful information and documents to help guide you on your mortgage journey.


About Us

We’ve been delivering the best credit products in Ireland for over twenty years. We’re excited to continue bringing excellent value to Irish consumers with our mortgages, personal loans and credit cards.

mortgages warning 1

Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.

mortgages waring box 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 in the future.

mortgages warnign box 3

The following applies in the case of variable rate loans:
Warning: The payment rates on this housing loan may be adjusted by the lender from time to time

mortages warning box 4

The following applies in the case of fixed rate loans:
Warning: You may have to pay charges if you pay-off a fixed rate loan early

Mortgages warnign box 5

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

source of claims mortgages

*Source of claims relating to :
* Avant Money winner of Bonkers.ie National Consumer Award 2022 for Best Switcher mortgage.
** Rate of 2.25% (2.44% APRC) applies to 3-year fixed rate with a loan to value (LTV) of 60% or less. APRC is the Annual Percentage Rate of Charge. This rate allows you to easily compare mortgages from different lenders. It considers all the costs involved over the term of the mortgage such as set-up charges and the interest rate. The lower the APRC, the lower your monthly repayments and cost over the full term of your mortgage.
*** Up to 30-year fixed term mortgage rates, home mover feature and 2% early redemption fee cap are unique in Ireland to Avant Money, source: other lender websites as of 12th August 2022.

You can overpay by up to 10% of your balance per year (in up to 2 separate Instalments per year) without incurring a fee. Save thousands using annual overpayment allowance based on your example: customer takes a €250,000 mortgage over 20 years at a rate of 3.5%. By making a one-off €22,000 overpayment at the start of year four, this customer would save €7,200 interest.
†† To qualify, you must take out a new mortgage with Avant Money for at least the same amount, term and within 12 months of redeeming your original mortgage. Subject to credit approval on the new mortgage.
††† Confirmed as market-leading follow-on variable rate by reference to CCPC.ie as of 12th August 2022. The follow-on variable rates quoted are correct as at 15th August 2022 and are subject to change. You will be informed before the end of your fixed rate period what the applicable follow-on rate will be and you will also be informed of all rate options that are available to you at that time.