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Fixed term rates
Lower your monthly repayments and save thousands over the life of your mortgage with rates from 1.95%.*

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The lowest rates

Ireland's best rates to help you lower your monthly repayments and save thousands over the life of your mortgage.*

Choice

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

Flexibility

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

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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 RATE
F/O RATE
***APRC
***APRC
****Cost Per €1,000
****C/P €1,000
3 years
<=60%
1.95%
2.50%
2.43%
€3.67
>60% - 70%
2.10%
2.50%
2.46%
€3.75
>70% - 80%
2.20%
2.75%
2.68%
€3.80
>80% - 90%
2.35%
2.75%
2.71%
€3.87
4 years
<=60%
1.95%
2.50%
2.39%
€3.67
>60% - 70%
2.10%
2.50%
2.43%
€3.75
>70% - 80%
2.20%
2.75%
2.65%
€3.80
>80% - 90%
2.35%
2.75%
2.69%
€3.87
5 years
<=60%
1.95%
2.50%
2.36%
€3.67
>60% - 70%
2.10%
2.50%
2.41%
€3.75
>70% - 80%
2.20%
2.75%
2.61%
€3.80
>80% - 90%
2.50%
2.75%
2.71%
€3.95
7 years
<=60%
1.95%
2.50%
2.30%
€3.67
>60% - 70%
2.10%
2.50%
2.36%
€3.75
>70% - 80%
2.20%
2.75%
2.55%
€3.80
>80% - 90%
2.50%
2.75%
2.69%
€3.95
10 years
<= 60%
2.10%
2.50%
2.30%
€3.75
>60% - 70%
2.25%
2.50%
2.39%
€3.82
>70% - 80%
2.35%
2.75%
2.56%
€3.87
>80% - 90%
2.65%
2.75%
2.74%
€4.03

Rates are correct as at 18/06/2021 and are subject to change.
**The Loan-to-Value ratio is the amount you want to borrow as a percentage of the value of your home.
***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 a 30 year term and assume a valuation fee of €185 and security release fee of €40.
****Illustrative monthly cost per €1,000 borrowed on 30-year mortgage term.

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Why chose the Avant Money fixed term rate mortgage?

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Simple, low rate mortgages

Save thousands over the life of your mortgage compared with other lenders.* 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 has the lowest follow-on variable rates in Ireland, currently 2.5% for loan to value up to 70% and 2.75% 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.

Saving example 1. Customers taking a seven-year fixed rate with Avant Money could save €134 monthly and €26,032 in total over the life of their mortgage versus the next best mortgage provider. This calculation is based on a 30-year mortgage, a balance of €300,000 and a loan to value of 80%.

Saving example 2. Customers moving to Avant Money on the ten-year fixed rate could save €45 monthly and €12,685 in total over the life of their mortgage versus the next best mortgage provider. This calculation is based on a 25-year mortgage, a remaining balance of €300,000 and a loan to value of 60%.

Flexibility with 10% overpayment allowance

You can overpay 10% of the balance each year, a benefit which could take years off your mortgage and save you thousands of euro in interest payments.

Savings example for overpayment. Customer takes a mortgage of €400,000 over 20 years, Interest rate is 2.6% and monthly repayment €2,139. Customer makes a €35,000 overpayment at the start of year four and has two options, either:

Option 1 - reduce repayment: the customer could choose to reduce their monthly repayment to €1,926, and continue to repay over the original 20 year term. Customer will save €8,337 interest over the life of their 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

Avant Money credit cards are accepted globally. You can choose between our two credit cards, offering a mix of great introductory offers and market leading always-on rewards

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.

title component - *Source of claims fixed rates term

*Source of claims relating to :
1. Ireland’s lowest fixed and variable follow on rates are by reference to CCPC.ie as at 18 June 2021.
2. Save thousands over the life of your mortgage based on a customer taking a seven-year fixed rate with Avant Money saving €134 monthly and €26,032 in total over the life of their mortgage versus the next best mortgage provider. This calculation is based on a 30-year mortgage, a balance of €300,000 and a loan to value of 80%.
3. 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 18 June 2021.