Mortgages apply now

Ireland’s best mortgage for Switchers*
Great fixed rates from just 3.85% (3.87% APRC) with added 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?

Get an estimate of how much you could borrow based on your income and outgoings.

Get approval

Take your first step with Avant Money.

Market leading title

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


Market leading features and benefits

Fixed rates from 3.85% (3.87% APRC)

Whether switching or buying, we’ve got great fixed rates from 3.85%.

Tailored to you

Repay your mortgage over terms from 5 to 35 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 purchasers 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.

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Our mortgage products

Choose between 3 and 30 year fixed terms. Rates from 3.85% (3.87% APRC).

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 5 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_circleGreat fixed rate mortgages from only 3.85% (3.87% APRC).
check_circleFollow-on variable rates from 3.75%.††††

Already Registered

Already Registered ?

Log in to our Mortgage Application Hub to continue your application

Mortgages three cards, brokers faqs, and about us


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 warning 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 warning 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 warning 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 National Consumer Award 2023 for Best Switcher mortgage.

** Rate of 3.85% (3.87% 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 1st September 2023

††You can overpay 10% of the balance each year, a benefit which could save you thousands of euro in interest payments. Savings for example for repayment on One Mortgage. Customer takes a mortgage of €400,000 over 20 years, Interest rate is 3.95% and monthly repayment €2,487. Customer makes a €35,000 overpayment at the start of year four and could choose to reduce their monthly repayment to €2,178 and continue to repay over the original 20-year term, saving €13,100. Or they could continue with same monthly instalment, reducing the term of the loan by 27 months and saving €30,500.

††† 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.

††††The follow-on variable rates quoted are correct as at 4th September 2023 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.

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 4th September 2023 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 purchasers) and 80% of the property value (90% of the property value for purchasers ). 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.