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Compare Mortgage Rates in Ireland

See how AIB, Bank of Ireland, Permanent TSB, Haven, ICS and Finance Ireland compare on your balance and LTV. Most switchers save €100–€300 per month.

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Lenders

Mortgage lenders in Ireland

Ireland has six main mortgage lenders covering bank and non-bank options. The best rate depends on your LTV, loan size, and whether you qualify for a green mortgage.

AIB

Green mortgage

One of Ireland's largest mortgage lenders. Competitive on 2–5 year fixed rates and offers a green mortgage rate for high BER properties.

Bank of Ireland

Cashback

Strong on cashback offers that can offset switching costs. Competitive across most LTV bands with a range of fixed terms.

Permanent TSB

Low LTV rates

Regularly competitive on fixed rates, particularly for lower LTV borrowers. Offers cashback on switching.

Haven Mortgages

Lowest rates

Part of AIB Group. Often has the lowest headline fixed rates in the market, particularly for LTV under 60%.

ICS Mortgages

Non-bank lender

Non-bank lender with competitive rates for standard and non-standard borrowers. Worth comparing for higher LTV situations.

Finance Ireland

Flexible criteria

Non-bank lender with a range of fixed and variable products. Useful for borrowers who do not fit standard bank criteria.

How to compare

What actually matters when comparing mortgage rates

Interest rate

The headline rate is the starting point, but the rate you qualify for depends on your LTV (loan to value), loan size, and remaining term. Irish lenders offer their best rates at LTV bands of under 50%, 60%, and 80%. Even a 0.3% difference on a €300,000 mortgage is worth roughly €900 per year.

Fixed vs variable

Fixed rates give certainty for 1, 2, 3, 5, or 10 years. Variable rates move with the market. Most Irish borrowers in 2026 are fixing for 2–5 years. The right choice depends on your plans for the property, whether you want to overpay, and your tolerance for payment changes.

LTV band

Loan to Value is your mortgage balance divided by your property value. The lower your LTV, the better rate you typically qualify for. If your property has risen in value since you took out your mortgage, your LTV may have improved without you realising, which can unlock a lower rate tier.

Cashback and switching costs

Switching mortgage provider typically costs €1,000–€2,500 in solicitor and valuation fees. Several Irish lenders offer cashback that covers these costs directly. Always compare the net saving after switching costs, not just the rate difference.

Break fees

If you are in a fixed rate period, your lender may charge a break fee to exit early. In some rate environments this is zero or very small. It is worth asking your lender for a break fee quote before ruling out an early switch.

Worth knowing: A lender offering cashback of €2,000 on a rate that is 0.2% higher than a competitor will cost you more over a 5-year fixed term on most loan sizes. Always compare total cost over the fixed period, not just the headline rate or the cashback figure.

Why most Irish mortgage holders overpay

When a fixed rate period ends in Ireland, borrowers automatically roll onto their lender's standard variable rate. This rate is almost always higher than the best available fixed rate in the market. Many households stay on it for years without reviewing their options.

Irish lenders are required to write to you before your fixed term expires, but the letter rarely makes clear how much the rate increase will cost you. A move from a 3.2% fixed rate to a 4.5% standard variable rate on a €280,000 mortgage is roughly €170 extra per month.

The process of comparing and switching is more involved than switching energy or broadband, but the saving is proportionally much larger. Most Irish homeowners who switch mortgage provider in 2026 are saving €100–€300 per month, and the switching costs are typically recovered within 6–12 months.

How Sortd compares mortgage rates

  • Compares rates from AIB, Bank of Ireland, Permanent TSB, Haven, ICS and Finance Ireland.
  • Calculates your monthly saving based on your actual balance, LTV, and remaining term.
  • Shows total switching cost alongside the saving so you can see the net benefit clearly.
  • Alerts you when your fixed rate is approaching expiry so you can act before rolling onto a higher rate.
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Common questions

How much can I save by switching mortgage in Ireland?+
The saving depends on your balance, remaining term, and the difference between your current rate and the best available rate. Even a 0.5% rate reduction on a €250,000 mortgage saves around €70–€90 per month. Many Irish homeowners switching in 2026 are saving €100–€300 per month, particularly those coming off fixed rates set when rates were lower.
How often should I review my mortgage rate in Ireland?+
At least once a year, and particularly when your fixed rate period is ending. Irish lenders are required to notify you before your fixed term expires, but the standard variable rate you roll onto is rarely the best available. Comparing rates before your fixed term ends gives you the most options and the most negotiating power with your current lender.
Is it free to switch mortgage provider in Ireland?+
Not entirely, but many lenders offer cashback or legal fee contributions to offset switching costs. You will typically need a solicitor and a property valuation. Total switching costs are usually €1,000–€2,500, but the annual saving from a better rate often covers this within 6–12 months.
What is LTV and why does it matter for mortgage rates?+
LTV (Loan to Value) is the ratio of your mortgage balance to your property's current value. The lower your LTV, the lower the rate you typically qualify for. Irish lenders offer their best rates at LTV bands of under 50%, 60%, or 80%. If your property value has risen since you took out your mortgage, your LTV may have improved without you realising.
Which Irish lender has the lowest mortgage rates in 2026?+
The cheapest mortgage lender depends on your LTV, loan size, and term. In 2026, AIB, Haven, and Permanent TSB regularly feature among the lowest for 2–5 year fixed rates. Bank of Ireland tends to be competitive on cashback. Non-bank lenders like ICS and Finance Ireland are worth comparing for higher LTV or non-standard situations.
What is a green mortgage in Ireland?+
A green mortgage offers a discounted rate for properties with a high Building Energy Rating (BER), typically A or B. Several Irish lenders including AIB, Bank of Ireland, and Permanent TSB offer green rates that are 0.1–0.3% lower than standard rates. If you have recently upgraded your home's insulation or heating, a new BER assessment could unlock a lower rate.

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