We compare all types of mortgages with the top lenders in Ireland. Find out more about each one, and choose the right deal for you.
AIB has over 200 branches across Ireland and a range of mortgages to suit every type of buyer. It’s working towards carbon neutrality by 2030 and offers low interest rate 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 uses a panel of selected mortgage brokers that are all regulated by the Central Bank of Ireland. Whichever broker you choose, you’ll be guided through your mortgage journey from start to finish. You’ll get a decision on your mortgage application within ten working days.
With a history dating back to 1783, Bank of Ireland offers fixed rate mortgages lasting between one and ten years, plus a discounted rate green mortgage for high energy rated homes. Existing customers can benefit from cashback mortgages and flexible options like payment breaks and splitting your mortgage rate.
EBS aims to help as many people as possible own their own home. As well as offering mainstream mortgages, it also offers self build mortgages if you’re building your own home. EBS has Mortgage Masters located in 71 communities across Ireland that can offer expert help to first time buyers, movers and switchers. You can book a 30 minute call or meeting at your local office to get started.
Finance Ireland is privately owned and uses a nationwide panel of mortgage brokers who assess each mortgage application on its own merit. There’s no credit scoring and they can offer greater flexibility than other lenders if you’re self employed, have previous credit issues, or are looking to refinance or buy an investment property.
With Haven, you start by choosing a local intermediary who will manage the end to end mortgage process for you. Haven offers mortgages for first time buyers, next time buyers and switchers. Whatever your mortgage needs, your intermediary can match you with a lender to suit your circumstances.
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.
KBC Bank Ireland offers mortgages for first time buyers, investors, movers and switchers. It has handy calculators to help you work out what you could borrow and save, and how much your repayments will be. KBC offers flexible mortgage options like mix and match rates, that let you split your mortgage between a variable rate and fixed rate.
Permanent TSB has a network of branches across Ireland. It offers mortgages for first time buyers and movers alike and self build mortgages if you’re building your own home. There are flexible repayment options like payment holidays, overpayments and choosing your mortgage payment date.
Ulster Bank offers mortgages for first time buyers, movers, switchers and investors, and you could get an agreement in principle in 15 minutes. It has a calculator to work out how much you can borrow and an overpayment tool to help you see how much you could save. You can call, chat online, Tweet or visit one of its 88 branches in Ireland.
There are 10 main mortgage lenders in Ireland:
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:
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.
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.
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:
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.
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.
They can search the market for you and offer advice on which lender may be more likely to lend to you.
Always check if they charge any fee and make sure you’re happy with this before you engage in services with them.
Find the best first time buyer and home mover mortgage deals in Ireland using our comparison.