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All the latest energy, telecoms and money news to keep you informed and on top of your finances.
Mortgage rates fall to lowest levels in 18 months
12/02/2025: The average interest rate on new Irish mortgages is 3.80%, the lowest rate since April 2023.
The figures, which are from December 2024 and were released today by the Central Bank, dropped from 3.97% in November 2024, and from 4.19% the previous year.
Though rates are now at their lowest level in over a year and a half, they are still higher than the average across the Euro currency zone.
The average fixed rate currently stands at 3.62%, while the average variable rate is 4.33%.
Mortgage holders could save up €7,000 a year by switching lenders
10/02/2025: Mortgage holders can now save up to €7,000 a year by switching lenders.
The value of how much can be saved from mortgage switching has surged since the recent raft of interest rate cuts - with switchers who were previously on variable rates now locking in cheaper, fixed-rate deals.
According to Doddl.ie, there was also a 45% hike in the value of switcher mortgages, which rose from €228m to €331m.
Nua Mortgages drops interest rates by 0.65%
07/02/2025: New player Nua Mortgages is slashing mortgage rates by an average of 0.65%.
The lender announced they’re cutting their three and five year fixed products for mortgages with a LTV of 70% or 60%.
- 5 year fixed rates with a LTV of <70% will decrease by 0.55% to 4.05%, while mortgages with a LTV of <60% will drop by 0.75% to 3.75%.
- 3 year fixed rates with a LTV of <70% will decrease to 4.15%, while mortgages with a LTV of <60% will drop to 3.85%.
Over 400,000 energy customers behind on payments
07/02/2025: New figures from the CRU show that over 400,000 gas and electricity customers are in arrears on their bills.
About 275,500 electricity and 164,000 gas customers are behind on their payments in the three months to November.
The new figures show a drop of 50,000 (or 3%) of electricity households in arrears, likely helped by the government’s first electricity credit in November.
But as households face large winter bills and upcoming increases to levies like the PSO and the carbon tax on bills, arrears could rise again in the coming months.
Vhi to hike insurance premiums by an average of 3%
30/01/2025: Vhi will increase insurance premiums by an average of 3%, from March 1st.
It raised prices by an average of 7% last March and by 3.5% last October.
In a statement, the insurer said the price increases are due to the continual rise in healthcare costs, the cost of delivering healthcare services, and more people accessing essential care; with a 12.5% increase in private hospital claims costs last year compared to 2023.
Panda Recycling customers hit with price hikes
29/01/2025: Panda Recycling, one of the largest bin collection companies in Ireland, will hike their fees from Saturday February 1st, 2025. Around 300,000 customers will be hit with increases to:
- The half-yearly service charge: from €67.50 to €70
- The general waste per-lift charge: from €11.75 to €13.50
- The recycling per-lift charge: from €1 to €1.25
It comes just months after Greyhound Recycling imposed price rises for its customers last November.
What Budget 2025 means for you
If you’re wondering how this year’s Budget affects your household finances, read our bitesize Budget 2025 guide or click on our Budget 2025 Index.
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