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Fixed term rates table

Our Rates

Choose a fixed rate term to suit your needs. Our specially selected mortgage brokers will be delighted to find the product for you.

FIXED RATE TERM
FRM
**LOAN TO VALUE (LTV)
**LTV
INTEREST RATE
INT RATE
FOLLOW-ON VARIABLE RATE
F/O VARIABLE RATE
***APRC
***APRC
****Cost Per €1,000
****C/P €1,000
3 years
<=60%
3.25%
2.95%
3.11%
€5.67
>60% - 70%
3.30%
2.95%
3.12%
€5.70
>70% - 80%
3.35%
3.30%
3.39%
€5.72
>80% - 90%
3.40%
3.30%
3.41%
€5.75
4 years
<=60%
3.40%
2.95%
3.19%
€5.75
>60% - 70%
3.45%
2.95%
3.21%
€5.77
>70% - 80%
3.50%
3.30%
3.45%
€5.80
>80% - 90%
3.55%
3.30%
3.48%
€5.83
5 years
<=60%
3.65%
2.95%
3.35%
€5.88
>60% - 70%
3.70%
2.95%
3.38%
€5.90
>70% - 80%
3.75%
3.30%
3.59%
€5.93
>80% - 90%
3.80%
3.30%
3.62%
€5.95
7 years
<=60%
3.95%
2.95%
3.65%
€6.03
>60% - 70%
4.00%
2.95%
3.68%
€6.06
>70% - 80%
4.05%
3.30%
3.85%
€6.09
>80% - 90%
4.10%
3.30%
3.88%
€6.11
10 years
<= 60%
4.40%
2.95%
4.19%
€6.27
>60% - 70%
4.45%
2.95%
4.23%
€6.30
>70% - 80%
4.50%
3.30%
4.35%
€6.33
>80% - 90%
4.55%
3.30%
4.39%
€6.35


Rates are correct as at 8th December 2022 and are subject to change.
* Rate of 3.25% (3.11% APRC) applies to 3-year fixed rate with a loan to value (LTV) of 60% 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. APRC figures are based on a €100,000 loan over the maximum term for each rate (i.e. 15, 20, 25 or 30 years depending on the mortgage term) and assume a valuation fee of €185 and security release fee of €40.
**Confirmed as competitive by reference to CCPC.ie as of 2nd December 2022. The follow-on variable rates quoted are correct as at 8th December 2022 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 that are available to you at that time.
***The Loan-to-Value ratio is the amount you want to borrow as a percentage of the value of your home.
****Illustrative monthly cost per €1,000 borrowed based on the maximum term for each rate (i.e. 15, 20, 25 or 30 years depending on the mortgage term).

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 3.30% on a mortgage of €100,000 is €569.74 for 240 months. Total amount repayable is €136,961.48. If interest rates increase by 1% an additional €52.17 would be payable per month. For this example, Annual Percentage Rate of Charge (APRC) of 3.40% applies and consists of variable borrowing rate of 3.30%, 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 1 December 2022 and subject to change. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value for first-time buyers). 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.

One Mortgage Fixed Rates

One Mortgage fixed rates

Your rate is based on the term of your mortgage and loan to value. Our specially selected mortgage brokers will be delighted to help determine if this product is right to you.

MORTGAGE TERM
*LOAN TO VALUE(LTV)
INTEREST RATE
**APRC
***Cost Per €1000
UP TO 15 YEARS
<=60%
3.40%
3.48%
€7.10
>60% - 70%
3.55%
3.64%
€7.17
>70% - 80%
3.65%
3.74%
€7.22
>80% - 90%
3.85%
3.95%
€7.32
UP TO 20 YEARS
<=60%
3.50%
3.58%
€5.80
>60% - 70%
3.65%
3.74%
€5.88
>70% - 80%
3.75%
3.84%
€5.93
>80% - 90%
3.95%
4.05%
€6.03
UP TO 25 YEARS
<=60%
3.50%
3.58%
€5.01
>60% - 70%
3.65%
3.73%
€5.09
>70% - 80%
3.75%
3.83%
€5.14
>80% - 90%
3.95%
4.04%
€5.25
UP TO 30 YEARS
<=60%
3.50%
3.57%
€4.49
>60% - 70%
3.65%
3.73%
€4.57
>70% - 80%
3.75%
3.83%
€4.63
>80% - 90%
3.95%
4.04%
€4.75


Rates are correct as at 15th August 2022 and are subject to change.
1.The Loan-to-Value ratio is the amount you want to borrow as a percentage of the value of your home.
2.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 over the maximum term for each rate (i.e. 15, 20, 25 or 30 years depending on the mortgage term) and assume a valuation fee of €185 and security release fee of €40.
3.Illustrative monthly cost per €1,000 borrowed based on the maximum term for each rate (i.e. 15, 20, 25 or 30 years depending on the mortgage term).

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This is the cookies policy of Avantcard DAC of Dublin Road, Carrick-on-Shannon, Co Leitrim. Avant Money and Avantcard are the registered trading names of Avantcard DAC in the Republic of Ireland and are referred to throughout this document as “Avant Money”, “we”, “us”, “our”. Avantcard DAC is a subsidiary of Bankinter Consumer Finance E.F.C, S.A. which is part of the Bankinter group (the 'Bankinter Group’).

This cookie policy is applicable to the following domains and subdomains:

  • avantmoney.ie
  • my.avantmoney.ie
  • documentcentre.avantmoney.ie
  • creditcardservices.anpost.com
  • cardandloandoccentre.anpost.com
  • onlinebanking.chillmoney.ie
  • docportal.chillmoney.ie
  • broker.avantmoney.ie

What are cookies?

Cookies are text files containing small amounts of information which are downloaded to your device e.g. computer, laptop, tablet or mobile phone, when you visit our websites and subsites. Cookies are then sent back to our website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise your device.

Cookies help us collect data about you and how you use our services – for example, we're interested in which internet browser you used to visit our website, how long you visited and which pages you looked at. We monitor our website to better serve you in future.
 


You can clear cookies set on our website from previous web browsing sessions. Below are instructions on how to do this on the main browsers:

 

 

Types of cookies and their purpose
Avant Money uses the following types of cookies on our websites:

  • Strictly Necessary cookies – These cookies are essential in order to enable you to move around our websites and use its features. Without these cookies, services you have asked for, like accessing secure areas of our websites, cannot be provided.

 

  • Performance cookies – These cookies collect information about how you use our websites, for instance which pages you visit most often, and if you get error messages from web pages. These cookies don’t collect information that identifies you. The information these cookies collect enables us to create statistics on how our websites are used, is aggregated and therefore anonymous. It is only used to improve how our websites work.

 

  • Functionality cookies – These cookies allow our websites to remember choices you make (such as your username, language or the region you are in) and provide enhanced, more personal features. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

 

  • Targeting/Advertising cookies – These cookies are set through our websites by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.

 

Other definitions

  • First Party cookies – These are cookies that are directly stored by the Avant Money domains you visit.
  • Third Party cookies – These are cookies that are created by domains other that the Avant Money domains and are mainly used for tracking and online-advertising purposes.
  • Session cookies – These are cookies that are removed when a user closes the web browser.
  • Persistent cookies – These are cookies that have an expiration date for a set period of time.

The cookies we use
Strictly Necessary cookies
Name:OptanonConsent
Description: (First Party cookie) This cookie is set by our cookie compliance solution from OneTrust. It stores information about the categories of cookies our domains use and whether visitors have given or withdrawn consent for the use of each category. This enables Avant Money to prevent cookies in each category from being set in the users browser, when consent is not given.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie, broker.avantmoney.ie.
Expiry: Persistent cookie – 6 months.

Name:OptanonAlertBoxClosed
Description: (First Party cookie) This cookie is set by our cookie compliance solution from OneTrust. It is set after visitors have seen a cookie information notice and in some cases only when they actively close the notice down. It enables the website not to show the message more than once to a user.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie, broker.avantmoney.ie.
Expiry: Persistent cookie – 6 months.
 

Name:__RequestVerificationToken_Lw__#######
Description: (First Party cookie) Anti site forgery protection - this helps us prevent fraudsters making copies of our websites.
Hosted by: avantmoney.ie, documentcentre.avantmoney.ie, my.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie.
Expiry: Session cookie.

Name: incap_ses_#######
Description: (First Party cookie) Used for managing communications to the sites through our web firewall. Used for managing user sessions. It makes our websites safer, faster, and more reliable.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie.
Expiry: Session cookie.

Name: incap_ses_#######
Description: (Third Party cookie) Used for managing communications to the sites through our web firewall. Used for managing user sessions. It makes our websites safer, faster, and more reliable.
Hosted by: my.avantmoney.ie, onlinebanking.chillmoney.ie, creditcardservices.anpost.com.
Expiry: Session cookie.

Name: visid_incap_#######
Description: (First Party cookie) Used for managing communications to the site through our web firewall. In order to identify clients which have already visited Incapsula. It makes websites safer, faster, and more reliable. A website using Incapsula protection routes it's users through a network of servers which blocks the latest web threats (e.g., SQL injection attacks, scrapers, malicious bots, comment spammers), and thwarts DDoS attacks.
Hosted by:avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie.
Expiry: Persistent cookie – 12 months.

Name: visid_incap_#######
Description: (Third Party cookie) Used for managing communications to the site through our web firewall. In order to identify clients which have already visited Incapsula. It makes websites safer, faster, and more reliable. A website using Incapsula protection routes it's users through a network of servers which blocks the latest web threats (e.g., SQL injection attacks, scrapers, malicious bots, comment spammers), and thwarts DDoS attacks.
Hosted by: my.avantmoney.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie.
Expiry: Persistent cookie – 12 months.

Name: nlbi_#######
Description: (First Party cookie) Incapsula DDoS Protection and Web Application Firewall: This is a load balancing cookie which ensure requests by a client are sent to the same origin server.

Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie.
Expiry: Session cookie.

Name: nlbi_#######
Description: (Third Party cookie) Incapsula DDoS Protection and Web Application Firewall: This is a load balancing cookie which ensure requests by a client are sent to the same origin server.
Hosted by: my.avantmoney.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie.
Expiry: Session cookie.

Name: OLBSessionIRL
Description: (First Party cookie) Used for managing communications to the site through our web firewall. Used for managing load balancing.
Hosted by: avantmoney.ie, my.avantmoney.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie.
Expiry: Session cookie.

Name: dtPC, dtLatc, dtSa, dtCookie
Description: (First Party cookie) These cookies are provided by Dynatrace, an application performance management (APM) software company. They are used for the monitoring of the site for stability, performance and errors and form a critical service for ensuring continuous availability of the site.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie, broker.avantmoney.ie.
Expiry: Session cookie.

Name: dtCookie
Description: (Third Party cookie) This cookie is provided by Dynatrace, an application performance management (APM) software company. It is used for the monitoring of the site for stability, performance and errors and forms a critical service for ensuring continuous availability of the site.
Hosted by: my.avantmoney.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie, broker.avantmoney.ie.
Expiry: Session cookie.
 

Name: rxvt
Description: (First Party cookie) This cookie is used to store two timestamps to determine session length. If a user has not been active in the web page for more than 15 minutes, the session is terminated for security purposes.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie, broker.avantmoney.ie.
Expiry: Session cookie.

Name: rxVisitor
Description: (First Party cookie) This cookie is used to store an anonymous ID for the user to correlate across sessions on the world service. Part of the monitoring of our sites for stability, performance and errors and forms a critical service for ensuring continuous availability of the site. This enables us to review user sessions for errors or issues as part of website debugging.
Hosted by:avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie, broker.avantmoney.ie.
Expiry:Session cookie.

Name: did_proxy
Description: (First Party cookie) Used as part of ours sites security when using 2 Factor Authentication - issued by Arcot.
Hosted by: avantmoney.ie, my.avantmoney.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie.
Expiry: Persistent cookie - 30 minutes.

Name: enableCaptcha
Description: (First Party cookie) Used by our sites to regulate use of Google Captcha. Part of the security of the sites.
Hosted by:avantmoney.ie, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com, docportal.chillmoney.ie.
Expiry: Session cookie.

Name: JSESSIONID
Description: (First Party cookie) General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server.
Hosted by: avantmoney.ie, my.avantmoney.ie, broker.avantmoney.ie.
Expiry: Session cookie.

Name: JSESSIONID
Description: (Third Party cookie) General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server.
Hosted by: my.avantmoney.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie, broker.avantmoney.ie.
Expiry: Session cookie.

Name:COOKIE_SUPPORT
Description: (First Party cookie) This cookie is set by Liferay (our content management system) for the purpose of indicating the users support of cookies.
Hosted by: avantmoney.ie, broker.avantmoney.ie.
Expiry: Persistent cookie – 12 months.

Name: LFR_SESSION_STATE_#######
Description: (First Party cookie) These cookies are set by Liferay (our content management system) for the purpose of indicating the users support of cookies.
Hosted by: avantmoney.ie, broker.avantmoney.ie.
Expiry: Session cookie.

Name: .ASPXAUTH
Description: (First Party cookie) Cookie associated with websites and applications built using ASP.NET MVC technology. It is associated with the authentication in forms.
Hosted by: my.avantmoney.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie.

 

Expiry: Session cookie.

Name: GUEST_LANGUAGE_ID
Description: (First Party cookie) This cookie remembers the users language.
Hosted by: avantmoney.ie, broker.avantmoney.ie.
Expiry: Persistent cookie – 12 months.

Name: IdUserReference, ApplicationId, ApplicationRecieved, ApplicationSubStatus, DateToAccess, UrlSite, ProductTypeName, Document?#########
Description: (First Party cookie) These cookies are used to display information required for the site to work and ensure correct communication with the backend services.
Hosted by:documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com, docportal.chillmoney.ie.
Expiry:Persistent cookie - 12 months.

Name: ASP.NET_SessionId
Description:(First Party cookie) Cookie used by sites written with Miscrosoft .NET based technologies. Usually used to maintain an anonymised user session by the server.
Hosted by: documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com, docportal.chillmoney.ie.
Expiry: Session cookie.

Name: eupubconsent
Description: (First Party cookie) This cookie is used by the IAB Europe Transparency and Consent Framework to store the user’s consent to the data collection purposes. The cookie holds an encrypted consent string that vendors participating in the framework can read and determine the user’s consent.
Hosted by: avantmoney.ie, my.avantmoney.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com, docportal.chillmoney.ie.
Expiry: Session cookie.

Name: _cfduid
Description: (Third Party cookie) This cookie is hosted by OneTrust and used for hosting the Cookie Consent tool script. It is used to manage cookies on websites.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie – 30 days.

Name: TS01e680a5
Description: (Third Party cookie) This is a session identifier provided by the server. It is used to identify a user who has logged into our website and to be able to offer them the content they require.
Hosted by: avantmoney.ie.
Expiry: Session cookie.

Name: Document?SEAI Grant - Declaration of Works document, Document:Pre - approval SEAI grant document, Document:Green Loan Car Dealer Quotation
Description: (First Party cookie) These cookies are used to display information required for the site to work and ensure correct communication with the backend services.
Hosted by: cardandloandocumentcentre.anpost.com.
Expiry: Persistent cookie – 12 months.

Name: ID
Description:(First Party cookie) This cookie is generated by the web platform (Liferay) to establish an ID that is used to maintain user session variables between the pages of the website.
Hosted by: broker.avantmoney.ie.
Expiry: Session cookie.

Name: COMPANY ID
Description:(First Party cookie) This cookie is generated by the web platform (Liferay) to establish an ID that is used to maintain user session variables between the pages of the website.
Hosted by: broker.avantmoney.ie.
Expiry: Session cookie.
 

Performance cookies
Name: _gid
Description:(First Party cookie) This cookie is associated with Google Universal Analytics which is a significant update to Google’s more commonly used analytics service. This cookie is responsible for tracking user behaviour. It expires after 24 hours of inactivity.
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Expiry: Persistent cookie – 1 day.

Name: _ga
Description:(First Party cookies) This cookie is associated with Google Universal Analytics which is a significant update to Google’s more commonly used analytics service. This cookie is used to identify unique users by assigning a randomly generated number as a client identifier.
Hosted by: avantmoney.ie, creditcardservice.anpost.com, my.avantmoney.ie, onlinebanking.chillmoney.ie, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com, docportal.chillmoney.ie.
Expiry: Persistent cookie - 24 months.

Name: _gat_UA-
Description:(First Party cookie) This is a pattern type cookie set by Google Analytics, where the pattern element on the name contains the unique identity number of the account or website it relates to.
Hosted by: avantmoney.ie, creditcardservice.anpost.com, my.avantmoney.ie, onlinebanking.chillmoney.ie, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com, docportal.chillmoney.ie.
Expiry: Session cookie.

Name: _gclxxxx
Description: (First Party cookie) This is a google conversion tracking cookie.
Hosted by: avantmoney.ie, my.avantmoney.ie.
Expiry: Persistent cookie – 90 days.

Name: _gali
Description: (First Party cookies) Used by Good Analytics to determine which links on a page that are being clicked.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie – 30 seconds.

Name: _dc_gtm_UA-xxxxxxxx
Description: (First Party cookie) This cookie is used by Google Tag Manager to load other scripts and code into a page e.g. Google Analytics. It helps us monitor the use and performance of our websites.
Hosted by: avantmoney.ie.
Expiry: Session cookie.

Name:___utmvc, ___utmvm, ___utmva, ___utmvb, ___utmv
Description:(First Party cookies) These are Google Analytic cookies that are used to collect data about how visitors use our sites. We use the data to compile reports and to help us improve the site.
Hosted by: avantmoney.ie, creditcardservice.anpost.com, my.avantmoney.ie, onlinebanking.chillmoney.ie, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com, docportal.chillmoney.ie.
Expiry: Session Cookie.

Name:___utma
Description:(First Party cookie) This cookie is used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics.
Hosted by: my.avantmoney.ie.
Expiry: Persistent cookie – 24 months.

Name:___utmt
Description:(First Party cookie) This cookie is used to throttle request rate.
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Expiry: Persistent cookie – 10 minutes.

Name:___utmb
Description:(First Party cookie) Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics.
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Expiry: Persistent cookie – 30 minutes.

Name:___utmc
Description:(First Party cookie) This cookie is set for interoperability with urchin.js. Historically, this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit.

Hosted by: my.avantmoney.ie.
Expiry: Session cookie.

Name:___utmz
Description:(First Party cookie) This cookie stores the traffic source or campaign that explains how the user reached our site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics.
Hosted by: my.avantmoney.ie.
Expiry: Persistent cookie – 6 months.

Name:___utmv
Description:(First Party cookie) This cookie is used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie was also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics.
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Expiry: Persistent cookie – 24 months.

Name: __gcl_au
Description:(First Party cookie) This cookie collects information about how you use our websites.
Hosted by: my.avantmoney.ie, avantmoney.ie.
Expiry: Persistent cookie – 90 days.

Name: _hjClosedSurveyInvites
Description: (First Party cookie) Hotjar cookie that is set once a user interacts with an External Link Survey invitation modal. It is used to ensure that the same invite does not reappear if it has already been shown.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie – 365 days.

Name: _hjDonePolls
Description: (First Party cookie) Hotjar cookie that is set once a user completes a survey using the On-site Survey widget. It is used to ensure that the same survey does not reappear if it has already been filled in.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie – 365 days.

Name: _hjMinimizedPolls
Description: (First Party cookie) Hotjar cookie that is set once a user minimizes an On-site Survey widget. It is used to ensure that the widget stays minimized when the user navigates through our site.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie – 365 days.

Name: _hjShownFeedbackMessage
Description: (First Party cookie) Hotjar cookie that is set when a user minimizes or completes Incoming Feedback. This is done so that the Incoming Feedback will load as minimized immediately if the user navigates to another page where it is set to show.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie – 365 days.

Name: _hjSessionTooLarge
Description: (First Party cookie) Causes Hotjar to stop collecting data if a session becomes too large. This is determined automatically by a signal from the WebSocket server if the session size exceeds the limit.
Hosted by: avantmoney.ie.
Expiry: Session cookie.

Name: _hjSessionRejected
Description: (First Party cookie) If present, this cookie will be set to '1' for the duration of a user's session, if Hotjar rejected the session from connecting to our WebSocket due to server overload. This cookie is only applied in extremely rare situations to prevent severe performance issues.
Hosted by: avantmoney.ie.
Expiry: Session cookie.

Name: _hjid
Description: (First Party cookie) Hotjar cookie that is set when the customer first lands on a page with the Hotjar script. It is used to persist the Hotjar User ID, unique to that site on the browser. This ensures that behaviour in subsequent visits to the same site will be attributed to the same user ID.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie – 365 days.

Name: _hjRecordingLastActivity
Description: (First Party cookie) This should be found in Session storage (as opposed to cookies). This gets updated when a user recording starts and when data is sent through the WebSocket (the user performs an action that Hotjar records).
Hosted by: avantmoney.ie.
Expiry: Session cookie.

Name: _hjTLDTest
Description: (First Party cookie) When the Hotjar script executes we try to determine the most generic cookie path we should use, instead of the page hostname. This is done so that cookies can be shared across subdomains (where applicable). To determine this, we try to store the _hjTLDTest cookie for different URL substring alternatives until it fails. After this check, the cookie is removed.
Hosted by: avantmoney.ie.
Expiry: Session cookie.
 

Name: _hjUserAttributesHash
Description: (First Party cookie) User Attributes sent through the Hotjar Identify API are cached for the duration of the session in order to know when an attribute has changed and needs to be updated.
Hosted by: avantmoney.ie.
Expiry: Session cookie.

Name: _hjCachedUserAttributes
Description: (First Party cookie) This cookie stores User Attributes which are sent through the Hotjar Identify API, whenever the user is not in the sample. Collected attributes will only be saved to Hotjar servers if the user interacts with a Hotjar Feedback tool, but the cookie will be used regardless of whether a Feedback tool is present.
Hosted by: avantmoney.ie.
Expiry: Session cookie.

Name: _hjLocalStorageTest
Description: (First Party cookie) This cookie is used to check if the Hotjar Tracking Script can use local storage. If it can, a value of 1 is set in this cookie. The data stored in_hjLocalStorageTest has no expiration time, but it is deleted almost immediately after it is created.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie – Less than 1 second.

Name: _hjIncludedInPageviewSample
Description: (First Party cookie) This cookie is set to let Hotjar know whether that user is included in the data sampling defined by our site's pageview limit.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie – 30 minutes.

Name: _hjIncludedInSessionSample
Description: (First Party cookie) This cookie is set to let Hotjar know whether that user is included in the data sampling defined by our site's daily session limit.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie – 30 minutes.

Name: _hjAbsoluteSessionInProgress
Description: (First Party cookie) This cookie is used to detect the first pageview session of a user. This is a True/False flag set by the cookie.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie – 30 minutes.

Name: _hjFirstSeen
Description: (First Party cookie) This is set to identify a new user’s first session. It stores a true/false value, indicating whether this was the first time Hotjar saw this user. It is used by Recording filters to identify new user sessions.
Hosted by: avantmoney.ie.
Expiry: Session cookie.

Name: _hjViewportId
Description: (First Party cookie) This stores information about the user viewport such as size and dimensions.
Hosted by: avantmoney.ie.
Expiry: Session cookie.

Name: _hjRecordingEnabled
Description: (First Party cookie) This is added when a Recording starts and is read when the recording module is initialized to see if the user is already in a recording in a particular session.
Hosted by: avantmoney.ie.
Expiry: Session cookie.

About HotJar:
We use Hotjar to better understand our users’ needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users’ experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behaviour and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf. For further details, please see the ‘Hotjar Cookie Information' section of Hotjar’s support site.

Functionality cookies
None
Targeting cookies
Name:_fbp
Description:(First Party cookie) This cookie is used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie - 90 days.

Name:__qca
Description:(First Party cookie) This is a cookie usually associated with Quantcast, a digital advertising company. They provide website rankings, and the data they collect is also used for audience segmentation and targeted advertising.
Hosted by: avantmoney.ie.
Expiry: Persistent cookie – 392 days.

Name: test_cookie
Description:(Third Party cookie) This cookie is set by DoubleClick (which is owned by Google) to determine if the website visitor's browser supports cookies.
Hosted by: avantmoney.ie, my.avantmoney.ie.
Expiry: Session cookie.

Name: IDE
Description:(Third Party Cookie) DoubleClick IDE cookies are used for serving targeted advertisements that are relevant to users across the web. Targeted advertisements may be displayed to users based on previous visits to a website. These cookies measure the conversion rate of ads presented to the user. This cookie will help deliver our advertising to people who have already visited our website when they are on Facebook or a digital platform powered by Facebook Advertising.
Hosted by: avantmoney.ie, my.avantmoney.ie.
Expiry: Persistent cookie - 390 days.

Name: fr
Description:(Third Party Cookie) Facebook - Contains browser and user unique ID combination, used for targeted advertising
Hosted by: facebook.com.
Expiry: Session cookie.

Name: ‘no name available’
Description:(Third Party cookie) This domain is owned by Facebook, which is the world's largest social networking service. As a third party host provider, it mostly collects data on the interests of users via widgets such as the 'Like' button found on many websites. This is used to serve targeted advertising to its users when logged into its services. In 2014 it also started serving up behaviourally targeted advertising on other websites, similar to most dedicated online marketing companies..
Hosted by: facebook.com.
Expiry: Session cookie.

Name: personalization_id
Description:(Third Party cookie) This domain is owned by Twitter. The main business activity is: Social Networking Services. Where twitter acts as a third party host, it collects data through a range of plug-ins and integrations, that is primarily used for tracking and targeting.
Hosted by: twitter.com.
Expiry: Persistent cookie - 24 months.

Name: mc
Description:(Third Party cookie) This domain is owned by Quantcast. The main business activity is: Market and Audience Segmentation, Targeted advertising services
Hosted by: quantserve.com.
Expiry: Persistent cookie - 396 days.
 

Name: _dlt
Description:(First Party cookie) This domain is owned by Doubleclick (Google). The main business activity is Googles real time bidding advertising exchange
Hosted by: avantmoney.ie.
Expiry: session cookie.

Name: trkCode, trkInfo
Description:(Third Party cookie) Used as part of anti-abuse processes on LinkedIn
Hosted by: avantmoney.ie.
Expiry: Persistent cookie - 5 seconds.

Name: fcookie
Description:(Third Party cookie) To determine if the user is a person and not a bot
Hosted by: avantmoney.ie.
Expiry: Session cookie.

Name: id
Description:(Third Party cookie) This domain is owned by Doubleclick (Google). The main business activity is real time bidding advertising exchange.
Hosted by: avantmoney.ie.
Expiry: Session cookie.

Name: _ _gcl_au
Description: (First Party cookie) This cookie is used by Google to store and track conversions.

Hosted by: avantmoney.ie, my.avantmoney.ie.
Expiry: Persistent cookie – 90 days.