Existing mortgage customers

Existing Mortgage Customers

Manage your Avant Money mortgage your way. As an Avant Money mortgage customer, you have access to everything you need to manage your mortgage the way you choose.
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Mortgage-Top Up

Mortgage Top-up

Mortgage Top-Up

Why not talk to us about a Mortgage Top-Up ?

Want to give yourself some more working from home space? Are you keen for a new kitchen? With our new Mortgage Top-Up, you may be able to use the value in your home to fund your home improvements.


What is a Mortgage Top-Up?

If the balance of your current Avant Money mortgage is less than the value of your home, you may be able to use this equity to borrow an additional mortgage to pay for home improvements. You can borrow up to 70% of the value of your home. For example, if your home is worth €400,000 and your current mortgage is €200,000 you could borrow up to €80,000.

How much can I borrow? 

With a Mortgage Top-Up you can borrow from a minimum of €75,000. The maximum depends on the value of your home and what you can afford to repay. The purpose of your Mortgage Top-Up must be for home improvements. Choose a term of up to 35 years but not longer than the remaining term of your existing Avant Money mortgage. Choose from competitive fixed rates from 3 to 30 years. Check out our rates and flexible features here
Availble to existing Avant Money mortgage customers who have held their existing mortgage at least 12 months.


Talk to us

Talk to one of our Mortgage Advisors who will work through your plans and give you options. Email us at [email protected], tell us a time that suits to call you and we will be in touch. Alternatively, you can contact your Broker, who can also help review your Mortgage Top-Up options. If you want to borrow less than €75,000, we also offer personal loans for home improvements. Find out more here 

Top-Up Mortgage-Important Information

Top-Up Mortgage: Important Information


Loan to Value (LTV ) means the amount of your mortgage compared with the value of your property. With our Top-Up product you can borrow up to 70% of the LTV of the property. This is calculated using the current value of your property or future estimated value of the property when all the home improvements are completed, and the sum of your existing mortgage plus your Mortgage Top-Up.

Availing of a Mortgage Top-Up will impact your overall LTV. This means that the interest rate options available on your Mortgage Top-Up, and on your existing mortgage loan when moving to a new rate will be based on your increased LTV. If you have any further questions, check out our FAQ page.

A Mortgage Top-Up is an additional mortgage loan. There may be additional costs such as valuation fees, insurance costs, solicitor fees to consider.


Fixed rate ending soon?

Fixed rate ending soon?

If your current fixed mortgage rate is coming to a close, you can select a new mortgage product straightaway. It’s easy to switch to a new product, and you can choose from our full range of products and at the same great rates as new customers. 

Fixed rate ending options

Is your fixed rate coming to an end soon?

If your current fixed mortgage rate is nearing its expiration, it's time to take advantage of the opportunity to reassess your options. Switching to a new mortgage product has never been easier. Best of all, you have the freedom to choose from our full range of products at the same great rates available to new customers.

Stay ahead of the game.

We will contact you 60 days before your current rate expires to let you know what your options are. Let us know what new product you want to move to at least 10 days before your existing fixed rate expires, and we’ll put the new product and rate in place as soon as your current rate expires.

Secure your future mortgage.

To ensure a seamless transition, simply let us know the new offer you want, at least 10 days before your existing fixed rate expires. We'll put the new product and rate in place as soon as your current deal ends, without any hassle on your part.

Unlock more possibilities

Unlock more possibilities

Switch mortgage for existing customers


Your rate, your choice.

When it comes to determining your new rate, we consider your loan-to-value ratio (that's the outstanding amount on your mortgage as a percentage of your property's value). This ensures that you get the best rate that fits your unique financial situation.


We're here to help.

If you're currently on a fixed rate, please note that there may be a breakage fee associated with switching to a new product. However, our dedicated team is here to guide and assist you in exploring all available options.



Explore your options today.

To discover the wide range of product and interest rate options available, why not check out our current mortgage rates and let us help you find the perfect fit for your financial goals?

Mortgages contact Us Product and Rates

Contact Us

Find our Mortgage team contact details here.

make your move hassle-free

Make your move hassle-free

As an Avant Money mortgage customer, we're here to make your home move seamless and stress-free. 

Hassle-free options

Enjoy waived early redemption fees

We offer the option to waive or refund any early redemption fees associated with your current mortgage when moving home.

Take advantage of the benefits

To qualify, all you need to do is take your mortgage for your new home with us, for at least the same amount and remaining term as your existing one and within 12 months of redeeming your original mortgage. This way you can enjoy a smooth move without any unnecessary additional costs. 1

Explore your options

To find out more and explore your options further, reach out to our dedicated Mortgage Advisor team at [email protected] or get in touch with your trusted Avant Money broker.

Take control of your mortgage

Take control of your mortgage


Make an overpayment:
Making a lump sum overpayment on your mortgage can have many benefits, including saving on interest. You can choose to reduce your monthly mortgage repayments, or shorten the term of your mortgage.

Take control - overpayments and flexible options

  • Fixed interest rate customers:
    For customers on a fixed interest rate, you have the flexibility to make an overpayment of up to 10% of your balance each calendar year without incurring any early redemption fees.

    Please note: A maximum of 2 overpayments are allowed per calendar year. Any overpayment exceeding 10% may be subject to an early redemption fee, not exceeding 2% of your outstanding mortgage balance.

  • Variable interest rate customers:
    If you're on a variable interest rate, feel free to make overpayments at any time without incurring any redemption fees. You can choose to reduce your monthly mortgage repayments, or shorten the term of your mortgage.

Take control of your mortgage

Change your repayment account or date:
At Avant Money, we understand that your circumstances can change. That's why we offer you the flexibility to change the bank account from which your monthly direct debit is collected or modify your payment date.

Change made easy:
To take advantage of these flexible options and make an overpayment, please contact our dedicated Customer Service team at 0818 274 089 or send an email to [email protected].

Phone lines are open from 9am to 5:30pm, Mon to Fri (exc. Bank Holidays).

Take control of your mortgage

Support is available


Concerned about your repayments?
If you've missed a repayment or are worried about your ability to make future repayments, we want you to know that we are here to support you.

We understand your challenges.
At Avant Money, we understand that unforeseen circumstances can arise, causing financial strain. We are committed to helping our customers navigate these challenging times and get back on track with their mortgage repayments.

Assistance is within reach.
For more information and guidance on what to do if you're facing repayment difficulties can be found


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

warning box 1 existing 2

Warning: If you do not meet the repayments on your loan, 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 a BNPL agreement in the future.

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Warning: The cost of your monthly repayments may increase.

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

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Source of claims relating to:
1 To move house and not pay a penalty, 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.


Lending criteria and terms and conditions applyThe 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 20 December 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 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.