🏠 Ireland Mortgage Rate Database
All lenders · Fixed, Variable, Green & Buy-to-Let · April 2026 · Repayment calculator included
CCPC.ie verified
Bonkers.ie sourced
Updated Apr 2026
Credit unions included
How to compare: The CCPC recommends using the APRC (Annual Percentage Rate of Charge) — it includes all costs over the full mortgage term. Green highlights show the lowest rate in each column. Broker-only lenders (Haven, Avant, ICS, Finance Ireland, MoCo, Nua) are marked Broker.
| Lender | Type | LTV | 1yr % | 3yr % | 4yr % | 5yr % | 7yr % | 10yr % | Follow-on | Cashback |
|---|
* Bonkers.ie notes that fixed-rate uptake now exceeds 70% of all new FTB mortgages in Ireland. Source: ccpc.ie, bonkers.ie
Variable rates can rise or fall at any time. Avant Money’s Flex mortgage is linked to the 12-month Euribor (resets annually), not the ECB rate. AIB offers LTV-linked variable rates — the lower your LTV, the lower your rate. Standard variable rates are significantly higher than comparable fixed rates in the current market.
| Lender | Product | LTV | Rate % | APRC % | Type | Notes |
|---|
Green mortgages apply to homes with BER B3 or better (most lenders) or any BER grade (Bank of Ireland EcoSaver sliding scale). A 0.20% discount on a €300k mortgage saves approx €10,000–€16,000 over the full term. Source: ccpc.ie & bonkers.ie
| Lender | Product | BER required | Rate % | APRC % | Discount vs standard | Cashback | Notes |
|---|
Buy-to-Let (BTL) mortgages require a minimum 30% deposit (70% LTV max) under Central Bank rules. Rates are typically 0.5–1% higher than residential mortgages. Only a limited number of lenders offer BTL products. Source: ccpc.ie
| Lender | Product | LTV max | Rate % | APRC % | Notes |
|---|
Credit Union mortgages — key facts: Over 100 credit unions in Ireland now offer mortgages through the ILCU Mortgage Hub shared service. Each credit union sets its own rate locally — rates shown are indicative published figures. Key differences vs banks: members only (you must be a member); typically ≤80% LTV (20% deposit required); supply is limited by Central Bank rules (max 10% of CU loans can exceed 10 years); loan limits vary by region (typically €100k–€650k). Sources: clcu.ie, corecu.ie, 1cu.ie, mfcu.ie, ILCU.
Variable rates — individual credit unions (published April 2026)
| Credit Union | Product | LTV max | Rate % | APR % | Rate cap | Members only | Notes |
|---|
Fixed rates — where available
| Credit Union | 3yr % | 5yr % | Follow-on variable | LTV max | Notes |
|---|
How credit union mortgages compare
✓ Advantages
- Community-owned; profits reinvested locally
- Personal, face-to-face service
- Flexible affordability assessment
- No LTV penalties on some products
- Rate cap on variable (ILCU capped product: 4.4% ceiling for first 3 years)
- Competitive variable rates through the ILCU Mortgage Hub
⚠ Limitations
- Members only — must join your local CU
- Supply limited by Central Bank (approx 2,700 mortgages/year nationwide)
- Usually max 80% LTV (20% deposit required)
- Fixed rate availability varies by CU
- Regional loan limits (typically €100k–€650k)
- Coverage is patchy outside larger towns
Contact your local credit union directly for eligibility and current rates. Use the ILCU credit union finder to locate your nearest mortgage-offering CU.
Adjust the sliders to calculate and compare monthly repayments across all lenders at your chosen amount, term and LTV. Based on the standard annuity formula recommended by the CCPC.
€300,000
25 years
Repayments ranked — cheapest first
Monthly figures use the standard annuity formula. Cashback offers not reflected above — check APRC for full-term cost. Rates sourced from ccpc.ie & bonkers.ie.
Best 3-year fixed rate per lender (LTV ≤80%) — April 2026
Best variable rate per lender
