Mortgages from Avant Money
Avant Money offers some of Ireland’s lowest interest rates on mortgages, loans and credit cards. They use a panel of brokers to ensure you get the best mortgage product to suit your needs.
What do Avant Money mortgages offer?
Avant Money offers low rate mortgages for every type of borrower with expert advice from a panel of mortgage brokers. Some of the reasons you might choose a mortgage from Avant Money include:
Whether you’re a first time borrower, mover or switcher, it’s best to compare Avant Money’s mortgage rates with what’s on offer from other lenders too.
Compare mortgage rates & deals
Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.
Fixed rate mortgages
Avant Money offers 3, 4, 5, 7 or 10 year fixed-rate mortgages with interest rates starting from 3.40%.
The APRC (Annual Percentage Rate of Charge) allows you to compare mortgage costs fairly. It takes into account all the costs over the mortgage term, such as set-up charges and interest rates.
The interest rate you are offered will depend on your Loan to Value (LTV) which is the amount you want to borrow as a percentage of the value of your home. The smaller your LTV, the lower your interest rate will be.
One Mortgage
This long-term fixed rate mortgage comes with interest rates starting from 3.40% for mortgage terms of 15, 20, 25 and 30 years.
The One Mortgage offers you the chance to:
Flex Mortgage
With Avant Money’s new Flex Mortgage, you can enjoy a low variable mortgage rate with built-in flexibility and peace of mind.
The Flex Mortgage rate has two elements; a benchmark rate and a margin. The benchmark is based on external rates, namely the 12-month Euribor and is adjusted each year. The margin is set at drawdown and remains the same for the duration of your mortgage.
The Flex Mortgage delivers:
Acess to a network of brokers
You can apply directly with Avant Money online or with Avant’s network of brokers for support.
Mortgage brokers have access to a panel of lenders and can help you choose the right mortgage to suit your circumstances. They’re regulated and authorised by the Central Bank of Ireland to provide financial advice to consumers.
Why use a broker?
Getting a mortgage is a major financial decision, so obtaining expert advice is recommended. A mortgage advisor can:
- compare different products to help you find the lowest interest rates
- help you to complete your mortgage application
- advise you on all the supporting documents you need for a successful application
Compare all our fixed rate mortgages
More from Avant Money
With a 30-year history and serving over 200,000 Irish customers, Avant Money is now a branch of Bankinter, a leading European bank. This partnership allows Avant Money to widen its existing range of financial products like mortgages, personal loans and credit cards with a broader suite of banking services.
Avant Money is part of the Bankinter group and is regulated by the Central Bank of Ireland.
Avant Money mortgage FAQs
What does Avant Money becoming a branch of Bankinter mean for me?
For existing mortgage holders, there will be no change to the terms and conditions of your mortgage.
The features of your mortgage will remain unchanged, and you will still be able to avail of the current range of products with fixed rates from 3 to 30 years and features such as an annual overpayment allowance or capped early redemption fees.
For Avant Money mortgage applicants, your mortgage offer will not be affected by this change. Eligibility criteria will stay the same, as will interest rates and fees. If you have any further questions regarding the transition to Bankinter, contact your mortgage broker.
Bankinter S.A. will be the controller of your personal data. Your data protection rights under GDPR will remain the same.
How do I switch my mortgage to Avant Money?
Switching your mortgage may sound complicated, but Avant Money will recommend a mortgage broker who will explain the process and show you how much you can save.
If you’re happy to go ahead with the switch, they will advise on what happens next and guide you through the application.
The lower interest rate and difference in monthly repayments can add up to considerable savings over the term of the mortgage, potentially saving you thousands.
How long will it take for my application to Avant Money to be approved?
Avant Money say that upon receipt of your application and required documents, they will:
- Contact you within three business days to acknowledge your application and request any further information
- Let you know their decision on your mortgage application within ten business days of receiving all the information
- If they can’t make a decision within ten business days they will tell you why and indicate when they’re likely to make a decision
How much can I borrow from Avant Money?
It will depend on your earnings and whether you are a first time buyer or another type of borrower.
Our guide How much can I borrow with a mortgage? tells you all need to know about how lenders work out the amount of mortgage they can lend you.
Online mortgage calculators help provide ballpark figures but do not guarantee the amount you will be approved for.
What do I need for my meeting with a mortgage broker?
The more prepared you are for the meeting with your broker, the faster your application can be processed.
It’s helpful if you have the following documents to hand:
- Proof of identity, e.g. a passport or a driving licence
- Proof of address, e.g. a recent utility bill dated within the last three months
- Current account statements for the last six months
- Statements for any loans you may have for the last six months
- Statements to show you have saved the required deposit
PAYE employees:
- Last three consecutive payslips and a salary certificate from your employer
- Employment Detail Summary, which is available from the revenue.ie website
Self-employed:
- Current account statements for your business for the last six months
- A tax clearance certificate or accountant certification that your taxes are up to date.
- Your most recent two years’ audited/certified accounts
- Your last two years’ Revenue Form 11, or your last two years Chapter 4 and indicative notices of assessment (if applicable)
Compare mortgage rates & deals
Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.
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