Compare mortgage interest rates in Ireland

Find the best mortgage loans and lowest interest rates from Ireland’s top lenders.

First time buyer

Get on the property ladder

Find your first mortgage
Find your first mortgage

Remortgage / Switcher

Find a cheaper switcher deal

Switch to a better interest rate
Switch to a better interest rate

Home mover

Choose your next mortgage

See how much you could save
See how much you could save

Mortgage lenders in Ireland

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Find a better mortgage deal

Whether you’re looking to buy your first home, remortgage to save money or move home, our mortgage comparisons make it easy to find the best mortgage rates and a home loan to suit your needs.

On our mortgage calculators page you can find out how much you can borrow and use our interest rate calculator to find out what your monthly repayments might look like.

Our in depth mortgage guides are also on hand to guide you through the process from start to finish, whether that’s explaining how to prepare for a mortgage application, what insurance you need to get sorted or how stamp duty works.

Get the best mortgage rates in Ireland

There are several different types of mortgages, and we have dedicated comparisons for the following:

Once your initial mortgage deal ends you’ll usually move onto your lender’s standard variable rate. This is often more expensive than the lowest mortgage rates so switching to a cheaper deal could save you hundreds of euro in interest payments alone.

Check out what cashback or incentives are available from Ireland’s leading mortgage lenders to offset any switching costs.

Our guide on how to switch to a better mortgage deal explains how to choose the right mortgage deal for your circumstances, and you can compare the best switcher mortgage deals here.

Mortgage FAQs

Can I get a mortgage without the minimum deposit?

It’s likely that you’ll need some sort of deposit but you may not need the full minimum deposit, if you meet all the other lending criteria.

The Central Bank allocates a percentage of mortgages that can have a deposit lower than the minimum, at the lender’s discretion. The allocation is for the year, and once it’s been used up, no further exceptions can be made.

Find out more about these guidelines and exceptions in our guide: How much can you borrow with a mortgage?

How do I get a mortgage?

You’ll need to save for a deposit and find out how much you can borrow.

Next, you should:

  • Prepare for a mortgage application
  • Search for mortgages using our comparisons
  • Apply for an Approval in Principle (AIP)

Having an AIP enables you to start your property search and offer on potential homes. Once your offer has been accepted, you can get a formal mortgage offer letter by providing the lender with all the documentation needed.

How long does it take to get a mortgage?

This can depend on both the lender and you, and whether you’re moving home, remortgaging, or switching your mortgage.

You can usually get an Approval in Principle (AIP) within 10 working days, but a mortgage offer will take longer, depending on the situation. If you’re remortgaging or switching lenders, it usually takes a few weeks.

If you’re buying a property, it can take several months from when you apply for a mortgage, to when it’s finalised.

This is because you have to find a property to buy, and in that time, the interest rates available may have changed. You’ll also have to produce all the up to date documentation needed.

Reading our guide: How to prepare for a mortgage application could help to speed up the process.

How much can I get a mortgage for in Ireland?

This depends on several things, including your:

  • Income
  • Loan to value
  • Other outgoings
  • Credit history
  • Age

Our guide: How much can you borrow with a mortgage? breaks down the rules on borrowing.

Is there help for first time buyers to get on the property ladder?

Yes, there are some Government schemes available that could help to reduce costs. Details about each of them can be found on our first time buyers page.

Warning: If you do not keep up your repayments you may lose your home. Warning: The cost of your monthly repayments may increase. Warning: You may have to pay charges if you pay off a fixed rate loan early. Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period. The payment rates on this housing loan may be adjusted by the lender from time to time. (applies to variable rate loans only) Information provided and Interest rates quoted valid at 02/08/2022