Switcher Mortgage
◇ 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.
Switcher Mortgage Calculators
Learn how much you could borrow with the Avant Money Switcher Mortgage Calculators. Calculate your potential repayments and get a mortgage estimate in less than five minutes. Want to know more? Discover our Mortgage FAQs for all of your mortgage related questions.
See how much your monthly repayments would be and how much you could save if you’re switching to us.
See how much you could borrow based on your income and outgoings.
Take your first step towards a switcher mortgage with Avant Money Mortgages.
Our mortgage hub brings every step of the mortgage journey together, from application to drawdown. No more endless searching through files and emails - everything you need is in one place. You can manage the entire switcher mortgage application online at a pace that suits you.
Whether you're looking for stability or flexibility, we have the right option to suit your needs. Our fixed mortgage rates have terms ranging from 3 to 10 years, along with competitive follow-on variable rates. Our One Mortgage offers a single fixed rate for the full term of your mortgage, up to 30 years. Flex Mortgage offers Ireland's lowest variable rate† mortgage, with the ability to overpay at any time with no penalty and a rate that resets annually based on the 12-month Euribor.
You will have access to expert support every step of the way with your own dedicated mortgage advisor to help with your first time buyer mortgage. You can chat online in the mortgage hub or call them if you need to talk.
We don’t just offer what every other lender does, we have designed a range of innovative mortgages to suit your needs. Don't take our word for it - we were awarded the best mortgage for switchers by bonkers.ie in 2022, 2023 and 2024.
Borrow up to 90% of the value of your new home and choose a repayment term between 5 and 35 years.
Our mortgages include market-leading features such as a 10% annual overpayment allowance and capped early redemption fees.2 Our features are available to both new and existing mortgage customers
The Switcher Mortgage Journey Steps
The Avant Money Switcher Mortgage Journey
Step 1: Get Mortgage Ready
Step 2: Get Mortgage Approval
To streamline your mortgage approval process, follow these steps:
Step 3: Get A Mortgage Offer
To proceed with your switcher mortgage application, follow these important steps:
Step 4: Get Ready to Close
Before you can draw down the mortgage itself, you’ll need to complete:
Step 5: Switch Mortgage
Congratulations! You have successfully switched mortgage and now have your new mortgage with Avant Money. Whether you're now enjoying the certainty of our One Mortgage where your repayment is fixed for the life of the loan, or one of our fixed term rates, we're delighted that you changed your mortgage provider to Avant Money.
Our Mortgage Products
The only mortgage in Ireland which provides you with a fixed rate for the full mortgage term, so your repayment never changes. 3
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. 3
Ireland’s lowest variable rate mortgage†, offering the flexibility to overpay whenever you choose, with no penalties.
Source of claims relating to:
† 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. 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.
2 Up to 30-year fixed term mortgage rates, 10% overpayment allowance and 2% early redemption fee cap are unique in Ireland to Avant Money. Source: Other lender websites as of 1st April 2025.
3 One Mortgage unique/only claim based on comparison against competitor mortgage products as advertised on their websites as of 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. Claim in relation to competitive follow-on variable rates is based on a comparison of other lenders 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.
