Free mortgage comparison · No account needed
See how AIB, Bank of Ireland, Permanent TSB, Haven, and more compare against your current rate. Enter your balance and rate — takes 1 minute.
Rates are sourced from publicly available lender data and updated regularly. Both bank and non-bank lenders are included.
AIB
One of Ireland's largest mortgage lenders. Competitive fixed rates.
Bank of Ireland
Wide range of fixed and variable products. Strong cashback offers.
Permanent TSB
Frequently competitive on 2–5 year fixed rates.
Haven Mortgages
AIB Group lender. Available through brokers only.
ICS Mortgages
Non-bank lender. Competitive for higher LTV brackets.
Finance Ireland
Non-bank lender. Flexible criteria, available through brokers.
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.
You should review your mortgage rate at least once a year, and especially 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.
Switching mortgage provider in Ireland is not entirely free, but many lenders offer cashback or legal fee contributions to offset switching costs. You will typically need a solicitor and a property valuation. Total costs are usually €1,000–€2,500, but the annual saving from a better rate often covers this within 6–12 months.
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. Lenders in Ireland offer the best rates at LTV bands of under 50%, 60%, or 80%.
Fixed rates give you certainty — your payment won't change for the fixed term (1, 2, 3, 5, or 10 years). Variable rates can go up or down with the market. In a high-rate environment, fixing for 2–5 years is popular. The right choice depends on how long you plan to stay in the property and your tolerance for payment changes.
Want Sortd to monitor your mortgage rate automatically?
Create a free account and Sortd tracks your rate year-round — alerting you when your fixed term is ending or a better deal appears.
Get started free →