Ireland’s best mortgage lenders
We compare all types of mortgages and interest rates from Ireland’s top lenders. Find the best bank for your borrowing needs.
AIB
AIB has over 170 branches across Ireland and a range of mortgages to suit every type of buyer - choose between fixed rates, variable rates, or a combination of both. They also offer low-interest, green mortgages for homes with a high energy rating. If you get an approval in principle with AIB, it will last for 12 months.
Avant Money
Avant Money is a branch of Bankinter that offers a range of mortgages to suit every need. Apply for a mortgage directly, or through their panel of exclusive mortgage brokers. Whichever you choose, you’ll be guided through your journey from start to finish and you’ll receive a decision within ten working days.
Bank of Ireland
Bank of Ireland is Ireland’s longest-running bank, dating back to 1783. They offer a range of mortgages between one and ten years, including the innovative EcoSaver mortgage which provides discounted rates for energy-efficient homes. You can also enjoy flexi-options like payment breaks, overpayments, and rate transfers when moving home.
EBS
As well as mainstream mortgages, EBS offers self build mortgages for buyers building their own home. Their Mortgage Masters branches are located in communities across Ireland, and offer expert help for first time buyers, movers and switchers. Simply book a call or meeting at your local office to get started.
Haven
Haven is part of the AIB group. They offer fixed and variable rate mortgages through authorised brokers, to first time buyers, next time buyers, self build and switchers. Start by choosing a mortgage broker who will manage the end to end mortgage process and match you with a lender that best suits your needs.
ICS Mortgages
ICS Mortgages offers a range of mortgages for first time buyers, switchers, movers and buy to let investors. Most of its products offer the flexibility to overpay 20% of your mortgage a year and take payment holidays throughout your term. You can apply for a mortgage directly or through a mortgage broker.
MoCo
MoCo is the Irish branch of the Austrian bank BAWAG. They offer a digital-first process, with online ID verification and financial assessment for a seamless mortgage application. Whether you’re a first time buyer or switching your mortgage, you can apply through MoCo’s exclusive panel of mortgage brokers.
Núa
Núa offers a range of tailored mortgage products for first time buyers, switchers, and home movers. Launched in 2021 and regulated by the Central Bank of Ireland, Núa aims to revolutionise the Irish mortgage market by making the process easier and more accessible. Núa provides a digital mortgage platform offering innovative loan and refinancing options.
PTSB
PTSB has a network of branches across Ireland. It offers mortgages for first time buyers, switchers, movers and self build mortgages if you’re building your own home. There are flexible repayment options like payment holidays, reduced payments, overpayments, and choosing your mortgage payment date.
How many mortgage lenders are there in Ireland?
There are nine main residential mortgage lenders in Ireland:
- AIB
- Avant Money
- Bank of Ireland
- EBS
- Haven
- ICS Mortgages
- MoCo
- Núa
- PTSB
How to choose the best mortgage lender
You can use our mortgage comparisons to narrow down your search for the right mortgage lender. To find the best deals for your circumstances, choose one of the following:
There are other circumstances that may reduce your choice of lenders. Our guides can help you find out more about getting a mortgage, if you’re:
Check the interest rate
Load the comparison and start with the lender offering the lowest rate but don’t forget to factor in any extra fees.
Compare the total cost over your mortgage term, as well as the monthly repayments.
Check your eligibility
Unfortunately, finding the best rate doesn’t mean you’ll get it. Check if you meet the lender’s eligibility criteria e.g. the loan to value and minimum loan term and value before you apply.
If you don’t meet their criteria, move on to the next lender and continue until you’ve found your ideal match.
Check the product terms
Some lenders offer more flexibility than others and their incentives vary too, so you’ll need to prioritise what’s most important to you. Some of the different benefits lenders offer include:
- Payment holidays
- Overpayment options
- Cashback
- Split mortgage rates
Flexibility is often linked to the rate type, e.g. whether the rate is fixed or variable. If you’re not sure which is right for you, our pages on variable rate mortgages and fixed rate mortgages can help.
Who offers cash back?
Five lenders, listed below, offer cashback benefits. Read the terms and conditions carefully for exact amounts and eligibility criteria.
- AIB
- Bank of Ireland
- Haven
- MoCo
- PTSB
Should you use a mortgage broker?
Some lenders require you to use one of their mortgage brokers to take out a mortgage with them.
There may also be circumstances where you choose to use a mortgage broker, perhaps because you’re struggling to find a lender that will lend to you or a first time buyer requiring advice.
A mortgage broker is helpful if your credit history is poor or have a different employment status e.g. if you’re self employed.
They can search the market for you and offer advice about products and lenders. Find out how a mortgage broker can help you in our guide, Should you use a mortgage broker?
Always check if they charge a fee and what it is before you use their service.
Compare mortgage rates & deals
Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.