Switcher Mortgage
Rate of 3.20% (3.62% APRC) is relevant 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 €300,000.
Get cashback on your mortgage
Spend your cashback on your new home or on whatever you like!
We have 2 cashback offers:
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.
Switcher Mortgage Calculators
Learn how much you could borrow with the Avant Money Switcher Mortgage Calculators. Find out what your potential repayments could be 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 expenses.
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 documents 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 a 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 member of our mortgage team to help with your Switcher 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 Bonkers Best Mortgage Provider for Switchers 2026 and Irish Mortgage Advisors (IMA) Award for Best Mortgage for Switchers 2025.
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
Our Mortgage Products
The only mortgage in Ireland which gives you 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
A variable rate mortgage offering the freedom to overpay whenever you choose, with no extra charge.
Source of claims relating to:
1 Rate of 3.20% (3.62% APRC1) applies to a 4-year fixed rate with a loan to value (LTV) of 60% or less and a minimum loan value of €300,000. Rate of 3.65% (3.74% 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 10th May 2026.
3 One Mortgage unique/only claim based on comparison against competitor mortgage products as advertised on their websites as of 10th May 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. Claim in relation to competitive follow-on variable rates is based on a comparison of other lenders websites as at 10th May 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 €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 10th May 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 – 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.