Fixed term mortgage rates

Fixed term rates
Low fixed rates from just 2.25% (2.44% APRC)* with great flexible features.

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Low fixed rates

Affordable fixed rates whether you are switching, moving or buying your first home.

Choice

Choose a mortgage to suit your needs with 3, 4, 5, 7 and 10 year fixed term rates, with Ireland’s market leading follow-on variable rates.**

Flexibility

Choose to make additional payments and save money on interest with an annual 10% overpayment allowance.

Fixed term rates table

Our Rates

Choose a fixed rate term to suit your needs. Our specially selected mortgage brokers will be delighted to find the product for you.

FIXED RATE TERM
FRM
**LOAN TO VALUE (LTV)
**LTV
INTEREST RATE
INT RATE
FOLLOW-ON VARIABLE RATE
F/O VARIABLE RATE
***APRC
***APRC
****Cost Per €1,000
****C/P €1,000
3 years
<=60%
2.25%
2.45%
2.44%
€5.18
>60% - 70%
2.35%
2.45%
2.47%
€5.23
>70% - 80%
2.45%
2.70%
2.68%
€5.27
>80% - 90%
2.50%
2.70%
2.70%
€5.30
4 years
<=60%
2.45%
2.45%
2.50%
€5.27
>60% - 70%
2.55%
2.45%
2.54%
€5.32
>70% - 80%
2.65%
2.70%
2.74%
€5.37
>80% - 90%
2.65%
2.70%
2.74%
€5.37
5 years
<=60%
2.65%
2.45%
2.60%
€5.37
>60% - 70%
2.75%
2.45%
2.64%
€5.42
>70% - 80%
2.85%
2.70%
2.83%
€5.47
>80% - 90%
2.90%
2.70%
2.85%
€5.50
7 years
<=60%
2.95%
2.45%
2.81%
€5.52
>60% - 70%
3.05%
2.45%
2.87%
€5.57
>70% - 80%
3.15%
2.70%
3.04%
€5.62
>80% - 90%
3.25%
2.70%
3.10%
€5.67
10 years
<= 60%
3.40%
2.45%
3.34%
€5.75
>60% - 70%
3.50%
2.45%
3.43%
€5.80
>70% - 80%
3.60%
2.70%
2.48%
€5.85
>80% - 90%
3.70%
2.70%
3.56%
€5.90

Rates are correct as at 15th August 2022 and are subject to change.
1.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. APRC figures are based on a €100,000 loan over the maximum term for each rate (i.e. 15, 20, 25 or 30 years depending on the mortgage term) and assume a valuation fee of €185 and security release fee of €40.
2.Confirmed as market-leadingfollow-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.
3.The Loan-to-Value ratio is the amount you want to borrow as a percentage of the value of your home.
4.Illustrative monthly cost per €1,000 borrowed based on the maximum term for each rate (i.e. 15, 20, 25 or 30 years depending on the mortgage term).

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Why choose the Avant Money fixed term rate mortgage?

Why choose Avant Money fixed rate mortgages

Simple, low rate mortgages

Our fixed term rates offer a fixed rate for a set number of years (3, 4, 5, 7 or 10) after which your mortgage will move to a variable rate.

Avant Money offers market leading follow-on variable rates2 from 2.45% for loan to value up to 70% and 2.70% above that. At the end of the fixed rate period you will be able to choose from our available product range at that stage with no further credit assessment required.

Flexibility with 10% overpayment allowance

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 3.5% and monthly repayment €2,320.

Customer makes a €35,000 overpayment at the start of year four and could choose to reduce their monthly repayment to €2,092, and continue to repay over the original 20 year term. Customer will save €11,400 interest over the life of their mortgage. You could also reduce the term of your mortgage.

Option 2 - reduce term: by keeping the same monthly repayment this customer will repay their mortgage two years early and save €18,086 interest over the life of their mortgage.

Fairness means a maximum 2% early redemption fee

If you pay off your mortgage early, you can be sure that the maximum early redemption fee won’t be any more than 2% of your remaining mortgage balance.

You could be liable to pay a redemption fee if you repay your mortgage in full, switch to new lender or product, or overpay more than 10% of the outstanding balance in any year.

Avant Money will cap any early redemption fee at 2% during the first 10 years of your mortgage. After that it reduces further, so you won't pay more than 1.5% of your remaining balance.

Early redemption fee can be waived or refunded for home movers

If you decide to move home, you may be eligible for a waiver or refund of your early redemption fee. This benefit is not usually available with fixed rate mortgages in Ireland (source: other lenders websites).

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.

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Learn more about our mortgages products

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One Mortgage

Lock in a long term fixed rate for up to 30 years. One Mortgage is our latest mortgage innovation, unique in the Irish market.*

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.

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

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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.

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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

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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.

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