Get Cashback on your Mortgage
2% Cashback
(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.
1% Cashback
(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.
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.
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One Mortgage
MOST CERTAINTYThe only mortgage in Ireland to give you complete certainty; monthly repayments that never change, a fixed mortgage rate for the full mortgage term.5
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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
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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
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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
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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.
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Variable rate
Choose a variable rate starting from 3.65% (3.74% APRC1) (Benchmark rate of 2.75% 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.
Our Mortgage Hub brings every step of the mortgage journey together, from when you apply for a mortgage to drawdown. No more endless searching through files and emails - everything you need is in one place. You can manage the entire application online at a pace that suits you.
Borrow up to 90% of the value of your new home and choose a repayment term between 5 and 35 years.
With Avant Money you will have access to expert support every step of the way with your own dedicated mortgage advisor. You can chat online in the Mortgage Hub or call them if you need to talk.
We donāt just offer what every other lender does, we have designed a range of innovative mortgages in Ireland 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.
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.
Our mortgages include market-leading features such as the flexibility to change products at any time with no break fees with our Flex Mortgage. Our One Mortgage offers a 10% annual overpayment allowance and capped early redemption fees. These features are available to both new and existing mortgage customers.
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The Avant Money Mortgage journey steps
No matter where you're at in your mortgage journey, Avant Money can help to make the process as easy as possible. From applying for a mortgage, setting a budget to drawing down, the Avant Money Mortgage process is made to suit you.
The Avant Money
Mortgage Journey
What Best Describes Your Mortgage Needs?
Frequently Asked Questions
Please view our glossary for clear, simple explanations of financial terms
Source of claims relating to:
1. 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. 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. 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 May 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 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.
6. Claim that benefit is not usually available with fixed rate mortgages in Ireland based on review of other lender websites as at 10th May 2026.
7. 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.
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 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 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.