Mortgages Products and Rates

Mortgages
designed for you
Young child and two men taking food from a tray

Features products and rates

  • Great fixed rates
    From 3.60% (3.78% APRC) with follow-on variable rates from 3.75% (3.84% APRC) 1.

  • Straightforward products
    Widest range of fixed rate options in Ireland. 2

  • Flexible features
    Pay off your mortgage faster. Great options for home movers.

  • Valued customers
    Existing customers can avail of the same rates as new customers when moving to a new product.

Apply direct or via a broker

Our Product range

Our Product Range

Mortgage products and Rates Tabbed

chevron_left chevron_right
Fixed Term Fixed
  • Fixed Term Rates
    BALANCED

    Choose a rate which is fixed for a set number of years with 3, 4, 5, 7 and 10-year options and competitive follow-on variable rates. After that you will roll to our competitive follow-on variable rates or you can choose to take another fixed rate. 2
     

    View rates

  • Simple competitive rate mortgages 
    Competitive rates from 3.60% (3.78% APRC)1 from our straightforward product range with the same options no matter what your loan size or BER rating. 
     
    Flexibility with an overpayment allowance
    You can overpay 10% of the mortgage balance annually without penalty, save in interest payments and pay off your mortgage faster.4 Example: overpaying €35,000 on a 20-year €400,000 mortgage can lower monthly repayments by €233 (save €12,500) or shorten the term by 27 months (save €29,500).
     
    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. 
     
    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.5 To qualify, you must be approved for a new mortgage with us for the same amount and term and within 12 months of redeeming your old mortgage.
One Mortgage
  • One Mortgage
    MOST CERTAINTY

    Only mortgage in Ireland which provides you with a fixed rate for the full mortgage term, so your repayment never changes.2 
     

    View rates

  • Flexibility with a 10% overpayment allowance
    You can overpay 10% of the mortgage balance annually without penalty, save in interest payments and pay off your mortgage faster.4 Example: overpaying €35,000 on a 20-year €400,000 mortgage can lower monthly repayments by €233 (save €12,500) or shorten the term by 27 months (save €29,500).
     
    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 for the first 10 years and after that, this reduces to 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. 5 To qualify you must be approved for a new mortgage with us for the same amount and term and within 12 months of redeeming your old mortgage.
     
    Rate Lock
    With the One Mortgage, we’ll guarantee you the interest rate detailed in your Loan Offer Letter for 3 months, even if we increase our rates in the meantime. After that, your mortgage will be subject to the prevailing rate at the time of drawdown. 6 
Follow-on Variable rates Variable
  • Follow-on Variable Rates
    MOST FLEXIBILITY

    Our follow-on variable rates will give you the full flexibility to make changes to your mortgage and make unlimited overpayments. Available to our existing customers only, who are moving off an existing fixed rate of interest. It is not currently available for new bussiness or Mortgage Top-Up customers.

    View rates

  • Variable interest rate
    While a variable rate offers flexibility, it also means that your interest rate can change. We will always give you 30 days’ notice before increasing your rate. Find out more about our variable rates here
     
    Flexibility to make unlimited overpayments
    Overpay as much of the balance as you want, with no early redemption fee. A great option if you’re expecting to make a lump sum payment to your mortgage. 
     
    Flexibility to switch to another product
    Choose one of our fixed rate products at any time. Existing customers can avail of the same rates as new customers when moving to a new product.
     
    No early redemption fees
    Flexibility to redeem your mortgage in full without penalty.  

Our Mortgage interest rates

Mortgage Interest Rates

All rates effective 3rd May 2024

One Mortage rates table title

One Mortgage

With One Mortgage, your interest rate stays the same for the full term of your mortgage, 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).

One Mortgage Rates Product Page

One Mortgage Rates

MORTGAGE TERM
TERM
LOAN TO VALUE(LTV)*
LTV*
INTEREST RATE
INT RATE
APRC**
APRC**
Cost Per €1000***
C/P €1,000***
UP TO 15 YEARS
<=60%
3.80%
3.90%
€7.30
>60% - 70%
3.80%
3.90%
€7.30
>70% - 80%
3.80%
3.90%
€7.30
>80% - 90%
3.95%
4.05%
€7.37
UP TO 20 YEARS
<=60%
3.80%
3.89%
€5.95
>60% - 70%
3.80%
3.89%
€5.95
>70% - 80%
3.80%
3.89%
€5.95
>80% - 90%
3.95%
4.05%
€6.03
UP TO 25 YEARS
<=60%
3.80%
3.89%
€5.17
>60% - 70%
3.80%
3.89%
€5.17
>70% - 80%
3.80%
3.89%
€5.17
>80% - 90%
3.95%
4.04%
€5.25
UP TO 30 YEARS
<=60%
3.80%
3.88%
€4.66
>60% - 70%
3.80%
3.88%
€4.66
>70% - 80%
3.80%
3.88%
€4.66
>80% - 90%
3.95%
4.04%
€4.75

Ruler spacer


Title Fixed Rates

Fixed Term Rates

A fixed term rate product has a rate of interest which does not change for a set number of years, so you know exactly how much you will pay every month during that period. A fixed rate makes it easier to budget for payments.

Fixed term rates table New

Fixed Term Rates

FIXED RATE TERM
FRM
LOAN TO VALUE (LTV)*
LTV*
INTEREST RATE
INT RATE
FOLLOW-ON VARIABLE RATE3
F/O VARIABLE RATE3
APRC**
APRC**
Cost Per €1,000***
C/P €1,000***
3 years
<=60%
3.70%
3.75%
3.82%
€5.90
>60% - 70%
3.70%
3.75%
3.82%
€5.90
>70% - 80%
3.70%
3.95%
3.97%
€5.90
>80% - 90%
3.95%
3.95%
4.05%
€6.03
4 years
<=60%
3.60%
3.75%
3.78%
€5.85
>60% - 70%
3.60%
3.75%
3.78%
€5.85
>70% - 80%
3.60%
3.95%
3.90%
€5.85
>80% - 90%
3.80%
3.95%
3.98%
€5.95
5 years
<=60%
3.80%
3.75%
3.86%
€5.95
>60% - 70%
3.80%
3.75%
3.86%
€5.95
>70% - 80%
3.80%
3.95%
3.97%
€5.95
>80% - 90%
3.95%
3.95%
4.05%
€6.03
7 years
<=60%
3.80%
3.75%
3.87%
€5.95
>60% - 70%
3.80%
3.75%
3.87%
€5.95
>70% - 80%
3.80%
3.95%
3.95%
€5.95
>80% - 90%
3.95%
3.95%
4.05%
€6.03
10 years
<= 60%
3.80%
3.75%
3.88%
€5.95
>60% - 70%
3.80%
3.75%
3.88%
€5.95
>70% - 80%
3.80%
3.95%
3.92%
€5.95
>80% - 90%
3.95%
3.95%
4.05%
€6.03

Ruler spacer 2


Variable Mortgage Rate

Follow-on Variable Mortgage Rates

A variable rate mortgage has an interest rate which can change over time. Find out more about how we set variable rates.

Variable Mortgage rates table

MORTGAGE
TERM
LOAN TO VALUE(LTV)*
LTV*
INTEREST RATE
INT RATE
APRC**
APRC**
Cost Per €1000***
C/P €1,000***
Follow-on Variable Rates
<=70%
3.75%
3.84%
€5.93
>70%
3.95%
4.05%
€6.03
 
 

source of claims Products and Rates

*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. For One Mortgage the maximum mortgage term for each rate has been used (i.e. 15, 20, 25 or 30 years) and for other products a term of 20 years has been assumed.

***Illustrative monthly cost per €1,000 borrowed based on a 20 year term for fixed term and variable products, and the maximum term for each One Mortgage product (i.e. 15, 20, 25 or 30 years, depending on the mortgage term).

1. Rate of 3.60% (3.78% APRC) applies to 4-year fixed rate with a loan to value (LTV) of 60% or less. Follow on Variable Rate of 3.75% based on (LTV) of 70% or less. Rates are correct as at 3rd May 2024 and are subject to change.

2. One Mortgage unique/only claim and claim of competitive follow-on variable rates and widest range of fixed rates based on comparison against competitor mortgage products as advertised on their websites as of 20 December 2023. One Mortgage is designed to give 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.

3. The follow-on variable rates quoted are correct as at 20 December 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 available to you at that time.

4. 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.

5. Claim that benefit is not usually available with fixed rate mortgages in Ireland based on review of other lender websites as at 20 December 2023.

6.Rate lock is subject to criteria and restrictions. If you are issued a Loan Offer for One Mortgage you will have 3 months from the date of the Loan Offer to draw down the mortgage at the rate detailed in the Offer. Mortgages not drawn down within that 3-month window will be subject to the prevailing rate at that date. If you receive a Loan Offer and make a change to your lending requirements, we may need to reassess your application and issue a new Loan Offer. This would include a change of property or changes in your Loan to Value (LTV), loan amount or interest rate. In this scenario, you may not be able to avail of the rate quoted in your original Loan Offer.

warning 1 product and rates

Warning: If you do not keep up your repayments, you may lose your home.

warning 2 product and rates

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

warnign 3 product and rates

Warning: The cost of your monthly repayments may increase.

Warning 4 product and rates

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Lending criteria Products and Rates

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 20 December 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 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.