One Mortgage, lifetime fixed rates
One Mortgage
The new One Mortgage doesn’t.

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

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

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 Fixed Rates May 23
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.
Rates are correct as at 26thMay 2023 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 choose the Avant Money One Mortgage?
Why choose One Mortgage
One Mortgage €1,500 Switcher offer
If you are thinking of switching your mortgage, Avant Money has introduced a range of great benefits for switchers.† Available for a limited time, our exclusive €1,500 legal fees offer will cover the costs of switching whilst an extended ‘Rate Lock’ which will guarantee the rate on your Loan Offer for a period of three months.
To get our €1,500 legal fees offer:
- Make sure we receive your completed application anytime between the 26th May 2023 and the 29th September 2023, inclusive.
- You must be switching a mortgage of €200,000 or more from another provider to Avant Money by 29th December 2023.
- Avail of our One Mortgage product. This offer is not available on any other product.
And with One Mortgage you can also avail of our other great flexible features like a capped Early breakage fee, our Home Mover feature and 10% annual overpayment allowance.
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 change, your repayments will be unaffected.
One Mortgage rates are slightly more expensive than other 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 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.
This capped early redemption fee of 2% applies 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.
Rate Lock
With the One Mortgage, we’ll guarantee you the interest rate detailed in your Loan Letter of Offer for 3 months, even if we increase our rates in the meantime (subject to certain criteria and restrictions).
If you are issued a Loan Offer for One Mortgage from 26th May 2023 to 29th September 2023, you will have 3 months from the date of the Letter of Offer to draw down the mortgage at the rate detailed in your offer. Mortgages not drawn down within that 3-month window will be subject to the prevailing rate at that date.
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Learn more about our mortgages products
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Lower your monthly repayments and save thousands in interest over the life of your mortgage with fixed rates from 3.25%.*

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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†We will pay €1,500 within two (2) months after your first mortgage repayment which you can use to cover some of the costs that may be incurred while switching provider. The offer is a fixed amount and will not vary if your actual legal fees are higher or lower. This offer is only available for One Mortgage and customers switching a mortgage for at least €200,000 to Avant Money and secured on your Private Dwelling House (PDH).
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 3.70% on a mortgage of €100,000 is €590.29 for 240 months. Total amount repayable is €114,894.48. If interest rates increase by 1% an additional €53.21 would be payable per month. For this example, Annual Percentage Rate of Charge (APRC) of 3.8% applies and consists of variable borrowing rate of 3.70%, 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 26th May 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 first-time buyers) and 80% of the property value (90% for first-time buyers). 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.