Mortgages from Avant Money
Avant Money offers competitive mortgage rates for first-time buyers, home movers and mortgage switchers, with applications available directly online or through a panel of selected mortgage brokers.
What do Avant Money mortgages offer?
Avant Money offers fixed and variable mortgages for first-time buyers, home movers and mortgage switchers, with the option to apply directly or through a selected mortgage broker.
Some of the reasons you might choose a mortgage from Avant Money include:
Whether you’re a first-time buyer, home mover or switcher, it’s important to compare Avant Money’s mortgage rates and features with those available from other lenders.
Compare mortgage rates & deals
Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.
Fixed rate mortgages
- Term: Fixed for 3, 4, 5, 7, or 10 years
- Interest Rate: Starts from 3.20% (3.62% APRC (Annual Percentage Rate of Charge)) on the 4-year High Value Mortgage for qualifying borrowers with an LTV of 60% or less and a mortgage of at least €300,000.
- Key Features: Fixed repayments during the term, with the option to switch or refix afterwards, plus 2% cashback on qualifying drawdowns in 2026.
One Mortgage
This long-term fixed rate mortgage comes with interest rates starting from 3.40% (3.48% APRC) for mortgage terms of 15, 20, 25 and 30 years.
- Term: Fixed for the full mortgage term, with 15, 20, 25 and 30-year options available.
- Interest Rate: Starts from 3.40% (APRC varies by term and LTV)
- Key Features: Allows overpayments up to 10% annually, options for qualifying home movers, and 1% cashback on drawdowns in 2026.
Flex Mortgage
With Avant Money’s Flex Mortgage, you can get a variable mortgage rate with built-in flexibility.
The Flex Mortgage rate has two elements: a benchmark rate and a margin. The benchmark is based on external rates, specifically the 12-month Euribor, and is adjusted annually. The margin is set at drawdown and remains the same for the duration of your mortgage.
- Term: Variable, linked to the 12-month Euribor benchmark plus a fixed margin
- Interest Rate: Current example: 3.85% (3.94% APRC) for ≤80% LTV.
- Key Features: Annual rate reset, flexibility to overpay or switch without penalty, and no cashback.
The rate resets annually based on the 12-month Euribor benchmark, while the margin remains fixed for the life of the mortgage. You can overpay or switch products without an early repayment penalty. Cashback is not available.
| Product | What it offers | Good to know | |
|---|---|---|---|
| Fixed Rate | Fix your interest rate for 3, 4, 5, 7 or 10 years. | Rates currently start from 3.20% (3.62% APRC) on the qualifying 4-year High Value Mortgage. Eligible fixed mortgages can get 2% cashback. | |
| One Mortgage | Fix your rate for the full mortgage term of 15, 20, 25 or 30 years. | Rates start from 3.40% (3.48% APRC). Eligible borrowers can get 1% cashback. | |
| Flex Mortgage | Variable rate linked to the 12-month Euribor benchmark, with penalty-free overpayments and switching. | Rates currently start from 3.85% (3.94% APRC) for ≤80% LTV. |
Rates are published by Avant and updated frequently. Check our comparison table or Avant Money’s Products & Rates page for the latest figures.
Access to a network of brokers
You can apply directly to Avant Money online or through one of its selected mortgage brokers, as the same products and rates are available through both routes.
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.
A broker can also compare Avant Money mortgages with products from other lenders, although some brokers may charge a fee for their service.
Why use a broker?
Getting a mortgage is a major financial commitment, so professional advice can help you understand your options and the application process.
- Compare mortgage products and interest rates from a range of lenders
- Help you 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
Since April 2025, Avant Money has operated as the Irish branch of Bankinter, a leading European banking group. Avant Money offers mortgages, personal loans and credit cards in Ireland, while Bankinter continues to expand its banking services in the Irish market.
Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and regulated by the Central Bank of Ireland for consumer protection rules.
Avant Money mortgage FAQs
Is Avant Money part of Bankinter?
Since April 2025, Avant Money has operated as the Irish branch of Bankinter, a leading European bank.
Avant Money offers a range of financial products in Ireland, including mortgages, personal loans and credit cards, with Bankinter continuing to expand its banking services in the Irish market.
Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and regulated by the Central Bank of Ireland for consumer protection rules.
How do I switch my mortgage to Avant Money?
Switching your mortgage may sound complicated, but you can apply to switch your mortgage directly with Avant Money or through one of its selected mortgage brokers.
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
Can I get a Top Up Mortgage from Avant Money?
Yes, if the balance of your current Avant Money mortgage is less than the value of your home, you may be able to use this equity in your home to borrow additional funds.
The purpose of your Mortgage Top-Up must be for home improvements.
You can borrow up to 70% of the value of your home, from a minimum of €75,000. The maximum depends on the value of your home and what you can afford to repay, and it is available to existing customers who have held their mortgage with Avant Money for at least 12 months.
Our guide How much can I borrow? can help you determine the amount you can potentially top up your mortgage.
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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