Explore Avant Money's wide range of mortgage products and interest rates. From the Flex Mortgage with the lowest variable rate mortgage† in the market, to the One Mortgage which allows you to fix for up to 30 years or choose from one of our Fixed Term options.
Which Mortgage
Flex Mortgage
Enjoy Ireland's lowest variable rate mortgage†, with a difference. Designed for those who have income flexibility and can absorb movements in their mortgage repayments from one year to the next.
An option for those who may be looking for stable repayments over a 3-10 year fixed term. Enjoy 1% cashback◇ and the ability to overpay by up to 10% each year without penalties2.
A fixed mortgage rate for up to 30 years. Suitable for those with an income that is unlikely to change and want the certainty that their monthly repayment won’t change either.
Cashback: ◇1 % cashback is available on the 3, 4, 5, 7, 10-year Fixed and One Mortgage product, for new lending and Top-Ups. Excludes the 4 year High-Value Mortgage and Flex Mortgage. Find out more about 1% Cashback offer.
All mortgage interest rates correct as of 1st April 2025
Mortgage products and Rates Tabbed
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Flex MortgageFlex Mortgage
The Flex Mortgage **NEW**
Irelands lowest variable rate mortgage†offering the flexibility to overpay whenever you choose, with no penalties. Your rate is reset each year, based on the 12 month Euribor market rates, giving you full transparency in how your rate is set. You can also move to a different mortgage at anytime, with no penalty.
Irelands lowest Variable rate† Choose a variable rate starting from 3.30% (3.37 APRC1) (Benchmark rate of 2.40% plus a 0.90% margin).
Flexibility The flexibility to overpay your mortgage anytime or move to another product with no penalty. However, if you move off your Flex Mortgage, you may not be able to return to the Flex Mortgage or rate again.
Transparency Your rate is based on the 12-month Euribor market rates and will be reset each year - this means it could go up or down.
Fixed TermFixed
Fixed Term Rates
Choose a fixed mortgage rate for 3, 4, 5, 7 or 10 years. At the end of your fixed-term you will roll to a follow-on variable rate. You will also have the choice to fix for another term or move to the Flex Mortgage.4
Simple, Competitive Rates Competitive fixed mortgage interest rates from 3.40% (3.70% APRC)1 from our straightforward product range with the same options no matter what your loan size or BER rating.
10% Overpayment Flexibility You can overpay up to 10% of your mortgage balance annually without penalty to save on interest and reduce your term.2 For example: overpaying €35,000 on a 20-year €400,000 mortgage could cut payments by €233/month (saving €12,500) or shorten the term by 27 months (saving €29,500).
Capped early Redemption Fee While a fixed interest rate can provide greater certainty in relation to repayments, it also means that if you pay off your mortgage early you may be subject to an early redemption fee. However, the maximum early redemption fee will not be any more than 2% of the remaining balance in the first 10 years, reducing to 1.5% of your remaining balance after that.
Early Redemption Fee can be waived or refunded for home movers Moving home? Your early redemption fee may be waived or refunded if you take a new mortgage with us for the same amount and term within 12 months of redeeming your old mortgage. This benefit is not usually available with fixed rate mortgages in Ireland.6
One Mortgage
One Mortgage MOST CERTAINTY
Only mortgage in Ireland which provides you with a fixed mortgage rate for the full mortgage term, so your repayment never changes.5
10% Overpayment Allowance 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 monthly payments by €233 (saving €12,500) or shorten the term by 27 months (saving €29,500).
Capped early redemption fee While a fixed interest rate can provide greater certainty in relation to repayments, it also means that if you pay off your mortgage early you may be subject to an early redemption fee However, the maximum early redemption fee will not be any more than 2% of the remaining balance in the first 10 years, reducing to 1.5% of your remaining balance after that.
Early Redemption Fee can be waived or refunded for home movers. Moving home? Your early redemption fee may be waived or refunded if you take a new mortgage with us for the same amount and term within 12 months of redeeming your old mortgage. This benefit is not usually available with fixed rate mortgages in Ireland.6
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.3
Flex Mortage Product and Rates
Flex Mortgage Variable Rates
The Flex Mortgage rate has two elements; a benchmark rate and a margin.
The Benchmark:
The benchmark is based on an external reference rate, the 12-month Euribor and is adjusted each year.
This will remain the same for the life of your mortgage.
Flex rate tables product and rates img
Flex Mortgage Rates from 10th April 2025 to 9th May 2025
***Illustrative monthly cost per €1,000 borrowed based on a 20-year term
The Benchmark Rate is subject to change, and we update it on the 10th of each month. The rate that will apply to your Flex Mortgage at drawdown will be Avant Money’s published Benchmark Rate as at that date plus the margin as confirmed in your loan offer.
The 12-month Euribor rate is a rate that European banks use to lend to each other on the interbank market and is updated every day. The Benchmark Rate element of the Flex Mortgage is set against the monthly average of the 12-month Euribor. This monthly average is published by the European Central Bank (ECB) on its website.
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. There may be a redemption fee payable if you pay off a fixed rate mortgage early or make over payments above the allowable limits.
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%
3.60%
3.75%
3.79%
€5.85
>60% - 70%
3.60%
3.75%
3.79%
€5.85
>70% - 80%
3.60%
3.95%
3.93%
€5.85
>80% - 90%
3.95%
3.95%
4.05%
€6.03
4 years
<=60%
3.40%
3.75%
3.70%
€5.75
>60% - 70%
3.40%
3.75%
3.70%
€5.75
>70% - 80%
3.40%
3.95%
3.82%
€5.75
>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
Variable Mortgage Rate
Follow-on Variable Mortgage Rates
Only available to existing customers rolling off an Avant Money Fixed Term rate mortgage. A variable rate mortgage has an interest rate which can change over time. Find out more about how we set variable rates
With One Mortgage, your interest rate stays 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 fee payable if you pay off your One Mortgage early or make overpayments above the allowable limits.
Cover your legal fees or buy something for your new home.Eg. Borrow a €400,000 mortgage and you will receive €4,000 cashback within two months of your drawdown. Excludes the 4 year High-Value Mortgage and Flex Mortgage. Terms and conditions apply
◇ 1% Cashback
1% cashback is available on the 3, 4, 5, 7, 10-year Fixed and One Mortgage product, for new lending and Top-Ups.
To qualify, you must drawdown between 1st Jan 2025 and the 31st Dec 2025.
For phased drawdown mortgages, the 1% cashback will be calculated based on the initial mortgage drawdown amount.
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).
† Lowest variable rate claim is based on the comparison of other variable rate mortgage products available in the market as per CCPC.ie as of 10th April 2025.
1. Rate of 3.40% (3.70% APRC) applies to a 4-year fixed rate with a loan to value (LTV) of 70% or less. Rate of 3.30% (3.37% APRC) applies to the Flex Mortgage variable rate with a loan to value (LTV) of 80% or less.
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. 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.
4. The follow-on variable rates quoted are correct as at 1st April 2025 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.
5. One Mortgage unique/only claim and claim of competitive follow-on variable rates based on comparison against competitor mortgage products as advertised on their websites at 1st April 2025. 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.
6. Claim that benefit is not usually available with fixed rate mortgages in Ireland based on review of other lender websites as at 1st April 2025.
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 1st April 2025 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 1 product and rates
Warning: If you do not keep up your repayments, you may lose your home.
Benchmark Variable Rate Loans warning
The following warning applies in the case of the Flex Mortgage which is a Benchmark Variable Rate loan:
Warning: If you switch to an alternative product, you will not be contractually entitled to go back on a benchmark variable rate loan in the future.
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.
