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One Mortgage
Life has its ups and downs.
The new One Mortgage doesn’t.

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Certainty

Peace of mind as standard. One fixed rate means the same monthly repayment for the life of your mortgage.

Flexibility

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

Fairness

A maximum 2% early redemption fee. We will refund or waive the fee If you decide to move and keep your mortgage with us. Conditions apply.

One mortgage rates table

One Mortgage fixed rates

Your rate is based on the term of your mortgage and loan to value. Our specially selected mortgage brokers will be delighted to help determine if this product is right to you.

MORTGAGE TERM
MORTGAGE TERM
*LOAN TO VALUE(LTV)
*LOAN TO VALUE(LTV)
INTEREST RATE
INTEREST RATE
**APRC
**APRC
***Cost Per €1000
***Cost Per €1000
UP TO 15 YEARS
60%
2.25%
2.30%
€6.55
>60% - 70%
2.40%
2.46%
€6.62
>70% - 80%
2.50%
2.56%
€6.67
>80% - 90%
2.65%
2.71%
€6.74
UP TO 20 YEARS
60%
2.45%
2.50%
€5.27
>60% - 70%
2.60%
2.65%
€5.35
>70% - 80%
2.60%
2.65%
€5.35
>80% - 90%
2.75%
2.81%
€5.42
UP TO 25 YEARS
60%
2.65%
2.70%
€4.56
>60% - 70%
2.80%
2.86%
€4.64
>70% - 80%
2.90%
2.96%
€4.69
>80% - 90%
2.99%
3.05%
€4.74
UP TO 30 YEARS
60%
2.85%
2.90%
€4.14
>60% - 70%
2.99%
3.05%
€4.21
>70% - 80%
3.10%
3.16%
€4.27
>80% - 90%
3.10%
3.16%
€4.27


Rates are correct as at 08/09/2021 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 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.
***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 chose the Avant Money One Mortgage?

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Certainty from an interest rate fixed for the full term

You can be sure that your monthly repayment won’t change over the life of the mortgage. If interest rates rise, your repayments will be unaffected.

One Mortgage rates are slightly more expensive than shorter term Avant Money fixed rate deals now available. So, if interest rates never rise during the term of your mortgage, you could pay more with the One Mortgage.

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 on One Mortgage. 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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Fixed term rate mortgages

Lower your monthly repayments and save thousands in interest over the life of your mortgage with Ireland’s lowest fixed rates from 1.95%.*

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 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.

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*Irelands lowest rate by reference to CCPC.ie as at 18/06/2021