Compare Mortgages in Ireland

Compare the top mortgages providers in Ireland — see cover, features and typical rates side by side.

Live offers

20 live offers compared from 14 providers, from 3.20% initial. Updated daily.

MoCo Green Mortgage MoCo

3.20% initial

  • Interest Rate: 3.20% fixed
  • Loan to Value: 90% LTV
  • Initial Period: 3 years
  • Key Feature: BER A/B bonus rate

ICS 2yr Fixed ICS Mortgages

3.35% initial

  • Interest Rate: 3.35% fixed
  • Loan to Value: 85% LTV
  • Initial Period: 2 years
  • Key Feature: Green mortgage option

Spring 2yr Fixed Spring Mortgages

3.40% initial

  • Interest Rate: 3.40% fixed
  • Loan to Value: 85% LTV
  • Initial Period: 2 years
  • Key Feature: ING Group backed

Finance Ireland 2yr Fixed Finance Ireland

3.45% initial

  • Interest Rate: 3.45% fixed
  • Loan to Value: 90% LTV
  • Initial Period: 2 years
  • Key Feature: First-time buyer

ICS Mover Mortgage ICS Mortgages

3.55% initial

  • Interest Rate: 3.55% fixed
  • Loan to Value: 85% LTV
  • Initial Period: 3 years
  • Key Feature: Home movers

ICS 5yr Fixed ICS Mortgages

3.65% initial

  • Interest Rate: 3.65% fixed
  • Loan to Value: 80% LTV
  • Initial Period: 5 years
  • Key Feature: No valuation fee

Spring 5yr Fixed Spring Mortgages

3.70% initial

  • Interest Rate: 3.70% fixed
  • Loan to Value: 80% LTV
  • Initial Period: 5 years
  • Key Feature: Rate guarantee

AIB 2-Year Fixed Mortgage IE AIB

3.70% initial

  • Interest Rate: 3.70% fixed
  • Loan to Value: 70% LTV
  • Initial Period: 2 years
  • Key Feature: AIB — Ireland's largest mortgage lender; cashback on draw-down available

Finance Ireland 5yr Fixed Finance Ireland

3.75% initial

  • Interest Rate: 3.75% fixed
  • Loan to Value: 80% LTV
  • Initial Period: 5 years
  • Key Feature: Switcher cashback

Bank of Ireland 2-Year Fixed Mortgage IE Bank of Ireland

3.75% initial

  • Interest Rate: 3.75% fixed
  • Loan to Value: 70% LTV
  • Initial Period: 2 years
  • Key Feature: Bank of Ireland — largest Irish bank by assets; mortgagebank.ie digital channel

Haven Green Mortgage IE Haven Mortgages

3.75% initial

  • Interest Rate: 3.75%
  • Loan to Value: Up to 80% LTV
  • Initial Period: 5-year fixed
  • Key Feature: Green energy cashback €2,000

Credit Union Mortgage Credit Union

3.80% initial

  • Interest Rate: 3.80% variable
  • Loan to Value: 80% LTV
  • Initial Period: Variable
  • Key Feature: Member dividend offset

Haven 2-Year Fixed Mortgage IE Haven Mortgages

3.80% initial

  • Interest Rate: 3.80% fixed
  • Loan to Value: Up to 80% LTV
  • Initial Period: 2 years
  • Key Feature: Haven — AIB subsidiary; FTB specialist; highest LTV in panel; broker network

PTSB 3-Year Fixed Mortgage IE Permanent TSB

3.85% initial

  • Interest Rate: 3.85% fixed
  • Loan to Value: 70% LTV
  • Initial Period: 3 years
  • Key Feature: PTSB — rate discount for current account holders; green mortgage option

Alive Mortgage Alive Insurance

3.90% initial

  • Interest Rate: 3.90% variable
  • Loan to Value: 80% LTV
  • Initial Period: Variable
  • Key Feature: Loyalty rate reduction

EBS 3-Year Fixed Mortgage IE EBS

3.90% initial

  • Interest Rate: 3.90% fixed
  • Loan to Value: 70% LTV
  • Initial Period: 3 years
  • Key Feature: EBS — AIB Group; nationwide branch network; member society heritage

Avant Money Variable Mortgage IE Avant Money

3.95% initial

  • Interest Rate: 3.95% variable
  • Loan to Value: 70% LTV
  • Initial Period: Variable (no tie-in)
  • Key Feature: Avant Money — Bankinter subsidiary; no early repayment penalty on variable

PTSB 5-Year Fixed Mortgage IE Permanent TSB

4.20% initial

  • Interest Rate: 4.20%
  • Loan to Value: Up to 90% LTV
  • Initial Period: 5-year fixed
  • Key Feature: First-time buyer cashback

Dilosk Buy-to-Let Dilosk

4.25% initial

  • Interest Rate: 4.25% fixed
  • Loan to Value: 75% LTV
  • Initial Period: 2 years
  • Key Feature: Landlord specialist

Pepper Money Mortgage Pepper Money

4.50% initial

  • Interest Rate: 4.50% variable
  • Loan to Value: 80% LTV
  • Initial Period: Variable
  • Key Feature: Non-prime lending

What is a mortgage in Ireland?

A mortgage is a long-term loan secured against a home, repaid over a term that commonly runs 25 to 35 years. In Ireland you can choose fixed rates that lock your repayment for a set period, variable rates that move with the lender's pricing, or green rates that reward energy-efficient homes. It is usually the largest financial commitment a household makes, so the rate and term have a major impact on lifetime cost.

How the Irish market works

Lending is shaped by the Central Bank's mortgage measures, which cap most borrowing at four times gross income and limit loan-to-value, with a higher deposit needed for second and subsequent buyers. Alongside the pillar banks, non-bank lenders such as ICS Mortgages, Finance Ireland, Spring, Pepper Money and MoCo compete, and Haven lends through brokers. Government supports including Help to Buy and the First Home Scheme assist first-time buyers.

Benefits

Fixed-rate certainty — locking a rate protects your repayment from market swings for the fixed term.

Green rate discounts — energy-efficient homes can qualify for lower rates from several lenders.

Buyer supports — Help to Buy and the First Home Scheme reduce the deposit hurdle for eligible first-time buyers.

Overpayment options — many variable and some fixed products allow overpayments to cut interest.

How to choose

Compare the interest rate alongside the term, cashback offers and whether the product is fixed or variable, as a headline rate with cashback may cost more overall. Check the loan-to-value band you fall into, since better rates apply at lower LTVs, and confirm eligibility for green rates. A broker can access lenders that only distribute through intermediaries, and mortgage protection insurance is generally required.

Leading providers in Ireland

The pillar banks and Permanent TSB dominate volume, while Haven lends via brokers. Among non-banks, ICS Mortgages, Finance Ireland, Spring, Pepper Money and MoCo offer competitive or specialist products, including options for self-employed and complex applicants. Some credit unions also provide local mortgage lending to members.

What it costs

Mortgage rates in the current market broadly range from around 3.2% to 4.5%, depending on the fixed period, loan-to-value and whether a green rate applies. On top of interest, budget for valuation fees, legal costs, mortgage protection insurance and home insurance. Some lenders offer cashback at drawdown, which can offset upfront costs but should be weighed against a potentially higher rate.

Protections and regulation

The Central Bank of Ireland sets and enforces the mortgage lending rules and the Consumer Protection Code, including standards for arrears handling under the Code of Conduct on Mortgage Arrears. Applications and repayments are recorded on the Central Credit Register. The Financial Services and Pensions Ombudsman investigates unresolved complaints, and independent legal advice is required before completion.

Common questions

How much can I borrow? — Generally up to four times gross income, subject to loan-to-value limits and the lender's affordability assessment.

Fixed or variable? — Fixed rates give certainty; variable rates offer flexibility to overpay but can rise or fall.

What supports exist for first-time buyers? — Help to Buy and the First Home Scheme can reduce the deposit and purchase gap for eligible buyers.

Mortgages in Ireland — FAQ

What mortgage rate can I get in Ireland right now?

Giraffy tracks 5 mortgage products across MoCo,ICS Mortgages,Spring Mortgages,Finance Ireland lenders in Ireland. Use the sort and filter controls to compare fixed versus variable rates and initial deal lengths.

What is the difference between a fixed-rate and a variable-rate mortgage?

A fixed-rate mortgage locks your interest rate for a set period — typically 2, 5, or 10 years — giving payment certainty. A variable rate moves with the central bank benchmark rate set by the Central Bank of Ireland. Fixed rates suit those who want stability; variable suits those who expect rates to fall.

How much can I borrow with a mortgage?

Most lenders apply an income multiple — typically 4–5× your gross annual income for a conventional mortgage. Affordability assessments also factor in outgoings, existing debts, and the property's loan-to-value (LTV) ratio. A mortgage adviser or broker can run a full affordability assessment for free.

What is LTV (loan-to-value) and why does it matter?

Loan-to-Value (LTV) is the mortgage amount as a percentage of the property's value. A 90% LTV means you're borrowing 90% and putting down 10% as a deposit. Lower LTV means less risk for the lender — you'll typically be offered a lower interest rate with a deposit of 20–25% or more.

How long does mortgage approval take?

An indicative approval can usually be obtained the same day online. Full mortgage approval — after property valuation and underwriting — typically takes 2–6 weeks. Having all your documents ready (pay stubs, bank statements, ID) speeds up the process significantly.

Are there Islamic home-finance products available in Ireland?

Sharia-compliant home-finance products structure the transaction without interest, typically through Murabaha (cost-plus financing) or Ijara (lease-to-own) arrangements. Check with individual lenders for availability in your market.

What fees are charged to set up a mortgage?

Lenders often charge arrangement, origination, or application fees to set up a mortgage — amounts vary by lender and market. You can usually add them to the loan, but you'll pay interest on them for the full term. For large loans, a higher-fee/lower-rate deal may be cheaper overall — compare total cost over the initial fixed period.