Discover Avant Moneyās range of mortgage products and competitive interest rates. Enjoy cashback offers, flexible features with Flex Mortgage our variable rate offering, or the security of our One Mortgage, which lets you fix your interest rate for up to 30 years.
Which Mortgage
Flex Mortgage
Enjoy a variable rate mortgage, with a difference. Designed for people who have flexible income and can manage changes 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 the ability to overpay by up to 10% each year without charges2.
A fixed mortgage rate for up to 30 years. Designed for those with a steady income and want the certainty that their monthly repayment wonāt change either.
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 ā¬35,000 on a 20-year ā¬400,000 mortgage could reduce payments each month by ā¬233 (ā¬12,500 total saved) or reduce the term by 27 months (ā¬29,500 total saved).
Capped early redemption fee While a fixed interest rate can give greater certainty regarding 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
Fixed Term
Fixed Term
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.3 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 3.20%4 (3.62% APRC1) from our wide product range with the same choices no matter what your BER rating. Rate of 3.20%4 (3.62% APRC1) applies to a 4-year fixed rate High Value Mortgage with a loan to value (LTV) of 60% or less and a minimum loan value of ā¬300,000.
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 ā¬35,000 on a 20-year ā¬400,000 mortgage could cut payments by ā¬233/month (ā¬12,500 total saved) or reduce the term by 27 months (ā¬29,500 total saved).
Capped early redemption fee While a fixed interest rate can provide greater certainty regarding 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
Flex Mortgage
Flex Mortgage
The Flex Mortgage
A variable rate mortgage offering the freedom to overpay whenever you choose, with no charge. Your rate is reset each year, based on the 12-month Euribor market rates, giving you a clear view of how your rate is set. You can also move to a different mortgage at any time, with no charge.
Variable rate Choose a variable rate starting from 3.70% (3.79% APRC1) (Benchmark rate of 2.80% plus a 0.90% margin).
Flexibility The freedom to overpay your mortgage at any time or move to another product with no charge. 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.
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 stay the same for the life of your mortgage.
Flex rate tables product and rates img
Flex Mortgage Rates from 10th June 2026 to 9th July 2026
10th June 2026 - 9th July 2026
LTV (loan to value)*
Benchmark Rate
Margin
Flex Mortgage Rate
APRC**
Cost per ā¬1000***
less than or equal to eighty percent<=80%
2.80%
0.90%
3.70%
3.79%
ā¬ 5.90
greater than eighty percent>80%
2.80%
1.10%
3.90%
3.99%
ā¬ 6.01
Ā
***Illustrative cost per month for each ā¬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 Moneyās 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 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 charge to be paid if you pay off a Fixed Rate Mortgage early or make overpayments above the set limits.
Fixed term rates table New EAA
Fixed Term Rates
FIXED RATE TERM
FIXED RATE TERM
FRT
LOAN TO VALUE (LTV)*
LOAN TO VALUE (LTV)*
LTV
INTEREST RATE
INTEREST RATE
Rate
FOLLOW-ON VARIABLE RATE3
FOLLOW-ON VARIABLE RATE
F/O VARIABLE RATE3
APRC**
APRC
APRC**
Cost Per ā¬1,000***
Cost Per ā¬1,000***
C/P ā¬1k***
3 years
<=60%
3.45%
3.75%
3.74%
ā¬5.77
>60% - 70%
3.45%
3.75%
3.74%
ā¬5.77
>70% - 80%
3.45%
3.95%
3.89%
ā¬5.77
>80% - 90%
3.70%
3.95%
3.97%
ā¬5.90
4 years
<=60%
3.40%
3.75%
3.70%
ā¬5.75
>60% - 70%
3.40%
3.75%
3.70%
ā¬5.75
>70% - 80%
3.40%
3.95%
3.82%
ā¬5.75
>80% - 90%
3.70%
3.95%
3.94%
ā¬5.90
4 Year High Value Mortgage4
<=60%
3.20%
3.75%
3.62%
ā¬5.65
>60% - 70%
3.30%
3.75%
3.66%
ā¬5.70
>70% - 80%
3.30%
3.95%
3.78%
ā¬5.70
>80% - 90%
3.60%
3.95%
3.90%
ā¬5.85
5 years
<=60%
3.45%
3.75%
3.69%
ā¬5.77
>60% - 70%
3.45%
3.75%
3.69%
ā¬5.77
>70% - 80%
3.45%
3.95%
3.80%
ā¬5.77
>80% - 90%
3.70%
3.95%
3.92%
ā¬5.90
7 years
<=60%
3.80%
3.75%
3.87%
ā¬5.95
>60% - 70%
3.80%
3.75%
3.87%
ā¬5.95
>70% - 80%
3.80%
3.95%
3.95%
ā¬5.95
>80% - 90%
3.95%
3.95%
4.05%
ā¬6.03
10 years
<= 60%
3.80%
3.75%
3.88%
ā¬5.95
>60% - 70%
3.80%
3.75%
3.88%
ā¬5.95
>70% - 80%
3.80%
3.95%
3.92%
ā¬5.95
>80% - 90%
3.95%
3.95%
4.05%
ā¬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 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 (thatās 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.
Spend your cashback on your new home or on whatever you like!
We have 2 cashback offers:
check_circleGet 2% cashback when you draw down a new mortgage with a 3, 4, 5, 7 or 10 year fixed rate (does not include One Mortgage, Flex Mortgage and 4-year High Value Mortgage). For example, borrow ā¬400,000 and receive ā¬8,000 cashback within two months of drawdown.
check_circleGet 1% cashback when you draw down a new One Mortgage (does not include 3, 4, 5, 7 or 10 year fixed rate, Flex Mortgage and 4-year High Value Mortgage). For example, borrow ā¬400,000 and receive ā¬4,000 cashback within two months of drawdown.
products title
For both offers: 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.
HI ruler 1
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 ā¬100,000 loan and assume a valuation fee of ā¬185 and security release fee of ā¬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 ā¬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 3.20% (3.62% APRC) applies to a 4-year fixed rate High Value Mortgage with a loan to value (LTV) of 60% or less and a minimum loan value of ā¬300,000. Rate of 3.70% (3.79% 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. The follow-on variable rates quoted are correct as at 10th June 2026 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. The High Value Mortgage is available to new and existing customers who have a mortgage balance of ā¬300,000 or greater. Cashback is not available on the 4-year High Value Mortgage.
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 10th June 2026. 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 10th June 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 ā¬100,000 is ā¬603.35 for 240 months. Total amount repayable is ā¬145,028.74. If interest rates increase by 1% an additional ā¬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 ā¬185, and security release fee of ā¬40. LTV is the amount borrowed as percentage of the value of your home. Information correct at 10th June 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 ā 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.
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 or interest rate, you will not be contractually entitled to go back on a benchmark variable rate loan at any time 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 report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Warning 4 product and rates
Warning: You may have to pay charges if you pay off a fixed-rate loan early.
warning 1 product and rates
Warning: If you do not keep up your repayments, you may lose your home.
warning result
Warning: Your interest rate may increase and the amount of your repayments may increase as a result.
mortgage warning
Warning: You should consider the total cost of the mortgage and any applicable incentive included in a mortgage offer.
