Avant Money offers 15, 20, 25, or 30-year fixed rate mortgages. Your interest rate is fixed for the full mortgage term, so your repayments never change.
Flexibility
Overpay up to 10% each year without penalty.2 If you move home, you can also take advantage of options to help avoid early redemption fees.
Cashback
Enjoy 1% cashback when you draw down a new One Mortgage. For example, borrow €400,000 and receive €4,000 cashback within two months of drawdown.
One Mortage Features and Benefits 4wysiwyg
One Mortgage: Features and Benefits
check_circleCashback on your mortgage
Get 1% cashback when you draw down a new One Mortgage. For example, borrow €400,000 and receive €4,000 cashback within two months of drawdown. Use it to make your new place feel like home, or for whatever matters most to you. Excludes 3, 4, 5, 7 or 10 year fixed rate, Flex Mortgage and 4-year High Value Mortgage.
check_circleOption to overpay
You can overpay up to 10% of your mortgage balance annually without penalty to save on interest and repay faster.2 For example, overpaying €35,000 on a 20-year €400,000 mortgage could reduce payments each month by €233 (€12,500 total saved) or reduce the term by 27 months (€29,500 total saved).
check_circleCapped early redemption fee
A fixed interest rate means you’ll know how much you’re repaying each month. If you pay off your mortgage early, like most lenders, you may need to pay an early redemption fee. However, the fee won’t be more than 2% of your remaining balance in the first 10 years, and 1.5% after that.
check_circleEarly redemption fee can be waived or refunded for home movers
Moving home? If you take out a new mortgage with us for the same amount and term within 12 months, we may refund or waive your early redemption fee. This type of offer is not usually available with fixed rate mortgages in Ireland.3
cashback title
Cashback offer: Cashback is available on a New or Top-Up Mortgage 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.
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One Mortgage interest rates
With One Mortgage, your interest rate will stay the same for the full term of your mortgage (up to 30 years), so your repayment never changes. Your rate is based on the term of your mortgage and loan to value (that’s the amount you want to borrow as a percentage of the value of the property). There may be an early redemption charge to be paid if you pay off your One Mortgage early or make overpayments above the set limits.
One Mortgage Rates Product Page EAA
One Mortgage Rates
MORTGAGE TERM
MORTGAGE TERM
TERM
LOAN TO VALUE (LTV)*
LOAN TO VALUE
LTV
INTEREST RATE
INTEREST RATE
INT RATE
APRC**
APRC
APRC**
Cost Per €1000***
Cost Per €1000
C/€1K***
UP TO 15 YEARS
<=60%
3.40%
3.48%
€7.10
>60% - 70%
3.40%
3.48%
€7.10
>70% - 80%
3.40%
3.48%
€7.10
>80% - 90%
3.80%
3.90%
€7.30
UP TO 20 YEARS
<=60%
3.40%
3.48%
€5.75
>60% - 70%
3.40%
3.48%
€5.75
>70% - 80%
3.40%
3.48%
€5.75
>80% - 90%
3.80%
3.89%
€5.95
UP TO 25 YEARS
<=60%
3.40%
3.47%
€4.95
>60% - 70%
3.40%
3.47%
€4.95
>70% - 80%
3.40%
3.47%
€4.95
>80% - 90%
3.80%
3.89%
€5.17
UP TO 30 YEARS
<=60%
3.40%
3.47%
€4.43
>60% - 70%
3.40%
3.47%
€4.43
>70% - 80%
3.40%
3.47%
€4.43
>80% - 90%
3.80%
3.88%
€4.66
one mortgage ruler
FAQ Mortgages
Frequently Asked Questions
One Mortgage FAQs
One Mortgage is a home loan with a fixed interest rate for the full term of your mortgage (up to 30 years), meaning your repayments stay the same for the lifetime of your mortgage.
No, your repayments are based on a fixed interest rate for the full mortgage term. They will not change if there are interest rate movements in the market.
Yes. You may be eligible for 1% cashback when you draw down a new One Mortgage. Cashback is paid within two months of drawdown. The offer applies to One Mortgage only and does not include 3, 4, 5, 7 or 10-year fixed rate mortgages, Flex Mortgage and 4-year High Value Mortgage. Terms and conditions apply.
Yes. You can overpay up to 10% of your outstanding mortgage balance each year and you won’t be charged an early repayment fee. You can make up to two overpayments per calendar year. If you overpay above this limit, you may need to pay an early redemption fee. Terms and conditions apply.
An early redemption fee may apply if you repay your mortgage early or pay more than the overpayment limit. This fee is capped and depends on how long you have had your mortgage.
One Mortgage FAQs
*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 and assume a valuation fee of €185 and security release fee of €40. The maximum mortgage term for each rate has been used (i.e. 15, 20, 25 or 30 years).
***Illustrative monthly cost per €1,000 borrowed based on a 15, 20, 25 or 30-year term.
1. One Mortgage unique/only claim based on comparison against competitor mortgage products as advertised on their websites on 20th May 2026. One Mortgage is designed to provide a fixed rate for the full mortgage term (between 5 and 30 years), whereas competitor fixed-rate mortgage products are designed to provide a fixed rate for a set number of years (between 1 and 10), following which they revert to a managed variable rate or a new fixed rate.
2. A 10% overpayment allowance is based on the balance at the start of each year. A early redemption fee may apply for overpayments above your allowance. A maximum of two overpayments per calendar year are allowed.
3. Claim that benefit is not usually available with fixed rate mortgages in Ireland based on review of other lender websites as at 20th May 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 10th April 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). 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.
warning box 1 New 2
Warning: If you do not meet the repayments on your loan , your account will go into arrears. This may affect your credit report which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or BNPL agreement in the future.
warning box 2 New 2
Warning: You may have to pay charges if you pay-off a fixed rate loan early.
warning box 3 New 2
Warning: If you do not keep up your repayments, you may lose your home.
Last warning
Warning: You should consider the total cost of the mortgage and any applicable incentive included in a mortgage offer.
