Compare fixed rate mortgages in Ireland

Find the best fixed rate mortgages in Ireland using our comparisons. Search by property value, mortgage loan and repayment term for the lowest interest rates.

FixedVariable
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You have a 57.1% loan to value (LTV)
We found 48 results for you
Sorted by monthly payment
3 Year Fixed
3.6%
3 Year Fixed rate
60%
Max LTV
€1,170.22
Monthly payment
Green 4 Year Fixed Rate
3.65%
4 Year Fixed rate
90%
Max LTV
€1,175.39
Monthly payment
Green Mortgagei
Available for Building Energy Rating (BER) between A1 and B3. T&Cs apply.
Green 5 Year Fixed
3.75%
5 Year Fixed rate
80%
Max LTV
€1,185.78
Monthly payment
Green Mortgagei
Available for Building Energy Rating (BER) between A1 and B3. T&Cs apply.
4 Year Fixed
3.75%
4 Year Fixed rate
60%
Max LTV
€1,185.78
Monthly payment
Green 4 Year Fixed
3.75%
4 Year Fixed rate
90%
Max LTV
€1,185.78
Monthly payment
Green Mortgagei
Available for Building Energy Rating (BER) between A1 and B3. T&Cs apply.
5 Year Fixed
3.8%
5 Year Fixed rate
60%
Max LTV
€1,190.99
Monthly payment
4 Year Fixed
3.9%
4 Year Fixed rate
60%
Max LTV
€1,201.45
Monthly payment
7 Year Fixed
3.95%
7 Year Fixed rate
60%
Max LTV
€1,206.70
Monthly payment
10 Year Fixed
3.95%
10 Year Fixed rate
60%
Max LTV
€1,206.70
Monthly payment
One Mortgage - up to 20 Years Fixed
3.95%
20 Year Fixed rate
60%
Max LTV
€1,206.70
Monthly payment
3 Year Fixed
4.1%
3 Year Fixed rate
80%
Max LTV
€1,222.53
Monthly payment
3 Year Fixed
4.1%
3 Year Fixed rate
90%
Max LTV
€1,222.53
Monthly payment
Green 1 Year Fixed
4.1%
1 Year Fixed rate
60%
Max LTV
€1,222.53
Monthly payment
Up to 3% Cashbacki
First time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
Green Mortgagei
Available for Building Energy Rating (BER) between A1 and B3 when you draw down your new mortgage loan prior to 31 December 2023. T&Cs apply.
Green 2 Year Fixed
4.1%
2 Year Fixed rate
60%
Max LTV
€1,222.53
Monthly payment
Up to 3% Cashbacki
First time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
Green Mortgagei
Available for Building Energy Rating (BER) between A1 and B3 when you draw down your new mortgage loan prior to 31 December 2023. T&Cs apply.
4 Year Fixed
4.15%
4 Year Fixed rate
80%
Max LTV
€1,227.83
Monthly payment
1 Year Fixed
4.15%
1 Year Fixed rate
90%
Max LTV
€1,227.83
Monthly payment
Green 5 Year Fixed
4.15%
5 Year Fixed rate
60%
Max LTV
€1,227.83
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31st March 2024. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2027, when you pay from an Explore Account. T&Cs apply.
Green Mortgagei
Available for Building Energy Rating (BER) between A1 and B3. T&Cs apply.
5 Year Fixed
4.2%
5 Year Fixed rate
80%
Max LTV
€1,233.14
Monthly payment
5 Year Fixed
4.2%
5 Year Fixed rate
90%
Max LTV
€1,233.14
Monthly payment
Green 3 Year Fixed
4.2%
3 Year Fixed rate
60%
Max LTV
€1,233.14
Monthly payment
Up to 3% Cashbacki
First time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
Green Mortgagei
Available for Building Energy Rating (BER) between A1 and B3 when you draw down your new mortgage loan prior to 31 December 2023. T&Cs apply.
Green 5 Year Fixed
4.2%
5 Year Fixed rate
60%
Max LTV
€1,233.14
Monthly payment
Up to 3% Cashbacki
First time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
Green Mortgagei
Available for Building Energy Rating (BER) between A1 and B3 when you draw down your new mortgage loan prior to 31 December 2023. T&Cs apply.
2 Year Fixed
4.25%
2 Year Fixed rate
60%
Max LTV
€1,238.47
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31st March 2024. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2027, when you pay from an Explore Account. T&Cs apply.
3 Year Fixed
4.25%
3 Year Fixed rate
60%
Max LTV
€1,238.47
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31st March 2024. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2027, when you pay from an Explore Account. T&Cs apply.
1 Year Fixed
4.35%
1 Year Fixed rate
80%
Max LTV
€1,249.16
Monthly payment
2 Year Fixed
4.35%
2 Year Fixed rate
80%
Max LTV
€1,249.16
Monthly payment
5 Year Fixed
4.35%
5 Year Fixed rate
60%
Max LTV
€1,249.16
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31st March 2024. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2027, when you pay from an Explore Account. T&Cs apply.
1 Year Fixed
4.4%
1 Year Fixed rate
90%
Max LTV
€1,254.53
Monthly payment
2 Year Fixed
4.4%
2 Year Fixed rate
90%
Max LTV
€1,254.53
Monthly payment
7 Year Fixed
4.4%
7 Year Fixed rate
80%
Max LTV
€1,254.53
Monthly payment
7 Year Fixed
4.4%
7 Year Fixed rate
90%
Max LTV
€1,254.53
Monthly payment
2 Year Fixed
4.4%
2 Year Fixed rate
60%
Max LTV
€1,254.53
Monthly payment
Up to 3% Cashbacki
First time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
1 Year Fixed
4.4%
1 Year Fixed rate
60%
Max LTV
€1,254.53
Monthly payment
Up to 3% Cashbacki
First time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
2 Year Fixed
4.45%
2 Year Fixed rate
90%
Max LTV
€1,259.91
Monthly payment
Up to 3% Cashbacki
EBS is offering home buyers up to 3% Back in Cash. Get 2% upfront and 1% in 5 years (subject to meeting the terms of the mortgage) of the value of your new mortgage if you are a first time buyer, mover, or switching your mortgage to EBS. T&Cs apply.
3 Year Fixed
4.5%
3 Year Fixed rate
90%
Max LTV
€1,265.30
Monthly payment
Up to 3% Cashbacki
EBS is offering home buyers up to 3% Back in Cash. Get 2% upfront and 1% in 5 years (subject to meeting the terms of the mortgage) of the value of your new mortgage if you are a first time buyer, mover, or switching your mortgage to EBS. T&Cs apply.
5 Year Fixed
4.5%
5 Year Fixed rate
90%
Max LTV
€1,265.30
Monthly payment
Up to 3% Cashbacki
EBS is offering home buyers up to 3% Back in Cash. Get 2% upfront and 1% in 5 years (subject to meeting the terms of the mortgage) of the value of your new mortgage if you are a first time buyer, mover, or switching your mortgage to EBS. T&Cs apply.
5 Year Fixed
4.5%
5 Year Fixed rate
60%
Max LTV
€1,265.30
Monthly payment
Up to 3% Cashbacki
First time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
Green 10 Year Fixed
4.5%
10 Year Fixed rate
60%
Max LTV
€1,265.30
Monthly payment
Up to 3% Cashbacki
First time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
Green Mortgagei
Available for Building Energy Rating (BER) between A1 and B3 when you draw down your new mortgage loan prior to 31 December 2023. T&Cs apply.
3 Year Fixed
4.5%
3 Year Fixed rate
60%
Max LTV
€1,265.30
Monthly payment
Up to 3% Cashbacki
First time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
7 Year Fixed
4.55%
7 Year Fixed rate
60%
Max LTV
€1,270.70
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31st March 2024. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2027, when you pay from an Explore Account. T&Cs apply.
10 Year Fixed
4.55%
10 Year Fixed rate
80%
Max LTV
€1,270.70
Monthly payment
10 Year Fixed
4.6%
10 Year Fixed rate
90%
Max LTV
€1,276.12
Monthly payment
10 Year Fixed
4.8%
10 Year Fixed rate
60%
Max LTV
€1,297.91
Monthly payment
Up to 3% Cashbacki
First time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
5 Year Fixed
5.5%
5 Year Fixed rate
60%
Max LTV
€1,375.77
Monthly payment
3 Year Fixed
5.75%
3 Year Fixed rate
60%
Max LTV
€1,404.17
Monthly payment
Progress 5 Year Fixed
6.0%
5 Year Fixed rate
60%
Max LTV
€1,432.86
Monthly payment
Rates effective until 11/06/2023
Progress 3 Year Fixed
6.2%
3 Year Fixed rate
60%
Max LTV
€1,456.03
Monthly payment
Rates effective until 11/06/2023
Progress Plus 5 Year Fixed
7.05%
5 Year Fixed rate
60%
Max LTV
€1,556.61
Monthly payment
Rates effective until 11/06/2023
Progress Plus 3 Year Fixed
7.15%
3 Year Fixed rate
60%
Max LTV
€1,568.66
Monthly payment
Rates effective until 11/06/2023
* Indicative APRC (Annual Percentage Rate of Charge): calculations are based on a typical mortgage of €100,000 over a 20 year term.

What is a fixed rate mortgage?

It’s a mortgage where the interest rate is fixed for a set amount of time.

This means the amount you pay for your mortgage each month remains the same during the fixed rate period.

Fixed rate mortgages are suitable for:

Fixed rate terms typically last for between one and ten years, but you may be able to get one for up to 25 years. Most lenders will offer a range of fixed rates so you can choose the term that best fits your needs.

Fixed rate mortgages differ from variable rate mortgages, where the interest rate and your monthly repayment fluctuate throughout the mortgage term.

When your fixed rate mortgage ends, the lender will revert the mortgage to a Standard Variable Rate (SVR) unless you switch to a new mortgage loan.

How to choose the best fixed rate mortgage

You’ll need to decide the best fixed rate term for your needs, so several factors must be considered.

The stability of a long term fixed rate loan is good for budgeting, but if interest rates drop, you could be stuck on a higher interest rate, so consider your financial outlook and the likelihood of interest rates changing.

In the past, you’d typically pay a lower rate on a short fixed term and a higher rate if you want to fix it for longer, although due to recent interest rate rises from the European Central Bank, that isn’t necessarily the case currently.

The term that best matches your needs depends on factors such as:

  • Financial stability: If your finances are stretched or unpredictable, you may prefer a longer fix for peace of mind.
  • Future plans: You can’t switch or redeem your mortgage during the fixed term without paying a hefty penalty, so if a house move is on the cards, a shorter term may help you avoid paying early redemption charges.
  • Mortgage overpayments: Fixed rate deals restrict how much you can overpay for free (usually 10% a year) until the term ends. If you’re saving to overpay with a lump sum, pick a term that ends when the funds are ready, so you can overpay your mortgage without penalty.

What is the cheapest fixed rate?

Choosing the best mortgage for you isn’t as simple as picking the cheapest deal.

With cheaper, 1 or 2 year fixed rates you’ll need to factor in the costs associated with switching your mortgage because you’ll need to remortgage more often with a shorter fixed term loan.

However, if you opt for a longer fixed rate, if rates drop during your fixed period, you won’t be able to switch and take advantage of a cheaper rate while you’re tied in. This could have a more significant impact if you’re fixed into your rate for a long time.

How to get a fixed rate deal

Use our mortgage search to find the best rates and apply directly to the lender or via a mortgage broker.

Before you start your mortgage application, check you meet the lender’s eligibility criteria and find out how much you can borrow.

If you’re a first time buyer or switching your mortgage you’ll need to apply to the lender for a mortgage approval in principle.

To help get you started, find out what mortgage deposit you’ll need, how to prepare for a mortgage application and how to get a mortgage approval in principle in our Complete Guide to Mortgages.

Compare mortgage rates & deals

Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.

Fixed rate mortgage FAQs

Can I switch from a variable rate to a fixed rate mortgage?

Yes. You have no ties with a variable rate mortgage, so can switch whenever you like.

You’ll need to apply for the deal you want and carefully consider how long to fix for.

How long can I get a fixed rate mortgage for?

You can typically get a fixed rate mortgage for 1, 2, 3, 4, 5, 7 and 10 years, but some lenders may not offer this full range of terms. One lender is offering fixed rate mortgages for up to 25 years.

What happens when my fixed rate mortgage ends?

When the term ends, you’ll switch over to the lender’s standard variable rate, which is usually expensive.

You’re also free at this time to overpay as much as you like, redeem your mortgage, or switch lenders.

When can I switch from my fixed rate mortgage?

You can switch at any time, but if you switch before your fixed term ends you’ll have to pay an early repayment charge (ERC), which could be expensive. Check with your lender before switching.

Once your term has finished, you’ll switch to the lender’s standard variable rate (SVR), and can switch your mortgage without penalty.

What is the Indicative APRC (Annual Percentage Rate of Charge)?

Mortgage lenders are required to quote the Annual Percentage Rate of Charge (APRC) when advertising a borrowing rate.

The APRC shows you the total cost of a mortgage, including fees, over the entire period of the loan. Its purpose is to help you compare the true cost of borrowing.

For example, a 2 year fixed rate mortgage with an introductory rate of 1.99% and a booking fee of £999 that reverts to the lender’s standard variable rate (SVR) of 4.19% for the next 23 years ends up with an APRC of 3.7%.

The rate is indicative because it’s based on a typical mortgage of €100,000 over a 20 year term.

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 26/05/2023