MORTGAGE RATES
AVANT, KBC, FINANCE IRELAND, ICS, AIB, ULSTER BANK
FIRST TIME BUYERS
TRADING UP
PROPERTIES TO LET
This pages provides a list of current mortgage rates being charged by Irish banks for
First Time Buyers
Trading Up
Properties To Let.
Please remember that these rates can be changed at any time and you should consult your bank or mortgage advisor for the latest applicable rates appropriate for your particular situation.
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NEW LENDING RULES
First Time Buyers
HOW WILL THEY AFFECT YOU?
The rates below are based on First Time Buyers finding € 100,000 of the value of the house themselves and obtaining a mortgage amount of € 250,000, for a total house value of € 350,000. The mortgage (on variable rates) term is 30 years.
Lender Mortgage Annual rate Monthly repayment Avant Money
5 Year Fixed Rate >70% <80% LTV Mortgage
2.20%
€ 949.25
Avant Money
3 Year Fixed Rate >70% <80% LTV Mortgage
2.20%
€ 949.25
Ulster Bank
2 Year Fixed Rate <=80% LTV (Fixed until 31/03/2023) Mortgage
2.25%
€ 955.62
KBC
3 Year Fixed LTV >60-80 % (KBC Current Account Holders) Mortgage
2.30%
€ 962
KBC
2 Year Fixed LTV >60-80% (KBC Current Account Holders) Mortgage
2.30%
€ 962
Ulster Bank
Green 4 Year Fixed Rate <=80% LTV (Fixed until 31/03/2025) Mortgage
2.35%
€ 968.42
Avant Money
7 Year Fixed Rate >70% <80% LTV Mortgage
2.40%
€ 974.85
Finance Ireland
Progress (LTV <=80%) 3 Year Fixed Mortgage
2.40%
€ 974.85
Finance Ireland
Progress (LTV <=80%) 5 Year Fixed Mortgage
2.45%
€ 981.32
ICS Mortgages
5 Year Fixed <=80% LTV Mortgage
2.45%
€ 981.32
KBC
5 Year Fixed LTV >60-80 % (KBC Current Account Holders) Mortgage
2.45%
€ 981.32
Ulster Bank
5 Year Fixed Rate <=80% LTV (Fixed until 31/03/2026) Mortgage
2.45%
€ 981.32
AIB
5 Year Fixed Rate >50% <80% LTV Mortgage
2.45%
€ 981.32
COMPARE MORTGAGE RATES FROM IRISH LENDERS
Trading Up
The rates below are based around those people Trading Up, providing € 300,000 from the sale of their old house (or cash reserves) and obtaining a mortgage amount of € 150,000 for a total house value of € 450,000. The mortgage (on variable rates) term is 20 years.
| Lender | Mortgage | Annual rate | Monthly repayment |
| Avant Money | 7 Year Fixed Rate <60% LTV Mortgage | 1.95% | € 755.28 |
| Avant Money | 5 Year Fixed Rate <60% LTV Mortgage | 1.95% | € 755.28 |
| Avant Money | 3 Year Fixed Rate <60% LTV Mortgage | 1.95% | € 755.28 |
| Ulster Bank | 2 Year Fixed Rate <=60% LTV (Fixed until 31/03/2023) Mortgage | 2.20% | € 773.11 |
| KBC | 3 Year Fixed LTV < 60% (KBC Current Account Holders) Mortgage | 2.25% | € 776.71 |
| KBC | 2 Year Fixed LTV < 60% (KBC Current Account Holders) Mortgage | 2.25% | € 776.71 |
| Ulster Bank | Green 4 Year Fixed Rate <=60% LTV (Fixed until 31/03/2025) Mortgage | 2.25% | € 776.71 |
| Finance Ireland | Progress (LTV <=50%) 3 Year Fixed Mortgage | 2.35% | € 783.94 |
| Ulster Bank | 5 Year Fixed Rate <=60% LTV (Fixed until 31/03/2026) Mortgage | 2.35% | € 783.94 |
| Ulster Bank | 4 Year Fixed Rate <=60% LTV (Fixed until 31/03/2025) Mortgage | 2.35% | € 783.94 |
| AIB | 5 Year Fixed Rate <50% LTV Mortgage | 2.35% | € 783.94 |
| AIB | 3 Year Fixed Rate <50% LTV Mortgage | 2.35% | € 783.94 |
| Finance Ireland | Progress (LTV <=50%) 5 Year Fixed Mortgage | 2.40% | € 787.57 |
| ICS Mortgages | 5 Year Fixed <=60% LTV Mortgage | 2.40% | € 787.57 |
COMPARE MORTGAGE RATES FROM IRISH LENDERS
Properties Bought To Let
The rates below are based on mortgages available for Properties Bought to Let. The assumptions are that the prospective buyer has € 200,000 from the sale of their old property (or cash reserves) and needs to obtain a mortgage amount of € 150,000 for a total house value of € 350,000. The mortgage (on variable rates) term is 20 years.
| Lender | Mortgage | Annual rate | Monthly repayment |
| ICS Mortgages | Variable LTV < = 50% Buy-to-Let Capital and Interest Mortgage | 3.75% | € 889.33 |
| Ulster Bank | 2 Year BTL Fixed Rate <=60% until 31/03/2023 Mortgage | 4.50% | € 948.97 |
| KBC | <50% LTV Variable (Buy to Let) Mortgage | 4.50% | € 948.97 |
| Finance Ireland | Progress Plus Buy-to-Let (LTV <=50%) Mortgage | 4.50% | € 948.97 |
| Bank of Ireland | Variable LTV < 50% Buy To Let Mortgage | 4.60% | € 957.09 |
| permanent tsb | 3 Year New Business Fixed Rate less than or equal to 70% LTV - Buy-to-Let Mortgage | 4.65% | € 961.16 |
| Finance Ireland | Enhance Buy-to-Let (LTV <=50%) Mortgage | 4.75% | € 969.34 |
| permanent tsb | LTV less than or equal to 50% - Buy-to-Let Mortgage | 4.80% | € 973.44 |
| AIB | Residential Buy-to-Let Standard Variable Mortgage | 4.85% | € 977.55 |
| permanent tsb | 5 Year New Business Fixed Rate less than or equal to 70% LTV - Buy-to-Let Mortgage | 4.85% | € 977.55 |
SELL YOUR HOUSE & KEEP YOUR TRACKER MORTGAGE
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THE CENTRAL BANK MORTGAGE
LENDING RULES
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MORTGAGE LENDERS
& WHY YOU SHOULD GET
A SURVEYOR'S REPORT
This article is only intended as a basic general summary and you should always seek professional advice where necessary. Although every effort is made to ensure the accuracy of this data, some errors may remain. These above rates figures are indicative only and are subject to change without notice. The source for the above details is bonkers.ie, (accredited by the Commission for Energy Regulation as an impartial, accurate and independent supplier of energy price comparisons) as well as the individual mortgage lenders websites.
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