Mortgage Cashback Offers
Get 2% Cashback on your Mortgage
Spend your mortgage cashback on your new home or on whatever you like!
*2% Cashback incentive is available on eligible New or Top-Up Mortgages 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. Qualifying criteria and exclusions apply.
*Payment of 2% Cashback will be paid within 2 months of drawdown.
**1% cashback also available on a One Mortgage.
2% Cashback available on our Fixed Term Mortgage products
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Fixed Term Rates
Choose a fixed mortgage rate for 3, 4, 5, 7 or 10 years. At the end of your fixed-term you will roll to a follow-on variable rate.3 You will also have the choice to fix for another term or move to the Flex Mortgage.
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Simple, competitive rates
Competitive fixed mortgage interest rates from 3.40% (3.70% APRC1) from our wide product range with the same choices no matter what your BER rating. Rate of 3.40% (3.70% APRC) applies to a 4-year fixed rate mortgage with a loan to value of 80% or less.10% overpayment flexibility
You can overpay up to 10% of your mortgage balance annually without penalty to save on interest and reduce your term.2 For example: overpaying €35,000 on a 20-year €400,000 mortgage could cut payments by €233/month (€12,500 total saved) or reduce the term by 27 months (€29,500 total saved).Capped early redemption fee
While a fixed interest rate can provide greater certainty regarding repayments, it also means that if you pay off your mortgage early you may be subject to an early redemption fee. However, 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.Early redemption fee can be waived or refunded for home movers.
Moving home? 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. This benefit is not usually available with fixed rate mortgages in Ireland.4
Source of claims relating to:
1. Rate of 3.40% (3.70% APRC) applies to a 4-year fixed rate mortgage with a loan to value of 80% or less. 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.
2. A 10% overpayment allowance is based on the balance at the start of each year. An early redemption fee may apply for overpayments above your allowance. A maximum of two overpayments per calendar year are allowed.
3. The follow-on variable rates quoted are correct as at 10th March 2026 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 available to you at that time. 2% Cashback is not available on the 4-year High Value Mortgage, One Mortgage or Flex Mortgage.
4. Claim that benefit is not usually available with fixed rate mortgages in Ireland based on review of other lender websites as at 10th March 2026.
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 19th January 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).