Ireland’s lowest mortgage rates
Fixed term mortgage rates
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Affordable fixed rates whether you are switching, moving or buying your first home.
Choose a mortgage to suit your needs with 3, 4, 5, 7 and 10 year fixed term rates, with competitive follow-on variable rates.**
Choose to make additional payments and save money on interest with an annual 10% overpayment allowance.
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Why choose the Avant Money fixed term rate mortgage?
Fixed term rates table May 23
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.
Rates are correct as at 4th September 2023 and are subject to change.
*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. 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.
**The Loan-to-Value ratio is the amount you want to borrow as a percentage of the value of your home.
***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.
****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).
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 follow-on variable rates from 3.75% for loan to value up to 70% and 3.95% 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 3.95% and monthly repayment €2,413.
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.
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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Lock in a long term fixed rate for up to 30 years. One Mortgage is our latest mortgage innovation, unique in the Irish market.*
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.
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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Fix term rates TandCs footer
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 propertry valvue 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.
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