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

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.

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Avant Money

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.

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Bank of Ireland

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.

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EBS

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.

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Haven

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.

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ICS Mortgages

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.

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MoCo

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.

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Núa

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.

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PTSB

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.

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Find the right mortgage lender for you

Choosing the right mortgage lender is one of the most important decisions when buying a home or remortgaging in Ireland.

Our directory allows you to compare Ireland’s top mortgage lenders quickly and easily, so you can find the lender that best suits your financial needs.

Whether you are a first-time buyer, looking to switch lenders, or interested in a green mortgage, we can help you make the right choice.

When comparing lenders, there are several factors you should consider:

  • Interest Rates and APRC (Annual Percentage Rate of Charge): The cost of your mortgage depends on the interest rate and the APRC. Ensure you compare rates across lenders and look at the total cost over your mortgage term, as well as the monthly repayments.
  • Eligibility requirements: Lenders have different criteria for approval, such as income, deposit, and credit history. Reviewing these early can save time and improve your chances of success. Finding the best rate doesn’t guarantee you’ll get it, so if you don’t meet their criteria, try another lender.
  • Mortgage flexibility: Different lenders offer various repayment terms. Some offer extra flexibility to adjust the term, so prioritise what’s most important to you. Some of the benefits lenders offer include payment holidays, overpayment options or refinancing.
  • Offers and incentives: Many lenders offer cashback or other incentives to attract new borrowers. Consider these carefully, as they can make a significant difference over the lifetime and cost of your mortgage.
  • Customer service and support: Look for lenders with strong reputations for helpful customer support and easy digital tools or an app for managing your mortgage online.

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 compare lenders and choose the best mortgage deal

Our directory is designed to make your mortgage comparison straightforward. Each listing provides a snapshot of key information; simply tap to learn more about the lender’s mortgage products.

If you’re ready to make a comparison, click through to our mortgage comparison page and choose your mortgage type to narrow down the search.

Once you’re on the dedicated comparison page, you can sort or filter lenders by rate type, cashback offers, and other criteria to find the options that match your borrowing needs, plus access lots of helpful information about your mortgage.

If you’re not sure which rate type to choose, our pages on variable rate mortgages and fixed rate mortgages can help.

Which lenders offer 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

Which lenders offer green mortgages?

Some lenders offer discounted rates or incentives for energy-efficient homes. Look for options labelled as ‘Green’ or ‘Ecosaver’.

This type of mortgage can translate into lower interest payments because the lender is incentivising more energy-efficient homes, which cost less to run and have a reduced environmental impact.

To qualify, you’ll need to have a Building Energy Rating (BER) of B3 or better (sometimes A1-B3). Learm more about these mortgages on our Green mortgages explained guide.

  • AIB
  • Bank of Ireland (BOI)
  • EBS
  • Haven Mortgages
  • PTSB

Should you use a mortgage broker?

Mortgage brokers can be very helpful, and in some cases, your lender may require you to use one of their in-house mortgage brokers.

First time buyers often prefer to use one for guidance through the mortgage application process.

A broker is particularly valuable if your situation is not straightforward, such as if you:

How a mortgage broker helps

A mortgage broker acts as an intermediary between you and lenders. They can provide essential services, including:

  • Market search
  • Advice and guidance
  • Mortgage application management

For a comprehensive guide on their services, you can read our detailed article, Should you use a mortgage broker?

Always check if they charge a fee and what it is before you use their service.

Commonly asked questions

How do I switch mortgage lenders in Ireland?

Switching lenders, also known as remortgaging, can help you save money if your current mortgage has reverted to the standard variable rate. Find the best mortgage rates using our comparison tools and talk to a broker for expert advice.

Check out How to switch to a better mortgage deal for a step by step guide.

What documents will I need to apply for a mortgage?

Typically, lenders require proof of income, identification, bank statements, and information about the property you wish to purchase. Requirements and lending criteria may vary, so check the lender’s website for more details.

Can I compare mortgage lenders online before speaking to a broker?

Yes. Our comparison page is designed to provide a clear comparison of lenders’ products, rates, and features, allowing you to shortlist options before seeking broker advice or submitting an application.

Which lenders offer mortgages to people with a poor credit?

If you have a poor credit history, you’ll likely find it difficult to secure a willing lender because of your risk profile.

You may find a lender who specialises in bad credit borrowing via a specialist broker, but expect to pay a higher mortgage rate. To learn more about bad credit mortgages, visit How to get a mortgage if you have bad credit.

Compare mortgage rates & deals

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

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 17/10/2025