Avant Mortgage Products
Avant Money offers three distinct mortgage products each with their own features and benefits. To find the Avant mortgage product that best suits your personal circumstances contact John Coleman, Mortgage Broker for a free consultation and expert mortgage advice. Make contact today on 01-8102032 or email info@jcmortgages.ie.
In this content, you will become informed about Avant Money Mortgages:
Avant One Mortgage
Overview: The Avant One Mortgage is a unique offering in the Irish mortgage market, providing a fixed-for-life mortgage that locks in your interest rate and monthly repayments for the entire duration of your loan – up to 30 years. This means you can enjoy the peace of mind that comes with knowing exactly how much you will pay each month, regardless of fluctuations in market interest rates.
Interest rates and mortgage term: The Avant One Mortgage is available with fixed rates starting from 3.40% for terms of 15, 20, 25, or 30 years, depending on your loan-to-value ratio and chosen term. One Mortgage also offers a 10% annual overpayment allowance, allowing you to pay off your mortgage faster without penalties, and features capped early redemption fees – up to 2% in the first 10 years, reducing to 1.5% thereafter. Additionally, Avant Money guarantees your interest rate for three months from the date of your loan offer, even if their rates increase in the meantime.
Suitable for: The Avant One Mortgage is designed to suit homeowners seeking long-term stability and certainty, providing an attractive option for those who want to “fix and forget” their mortgage, with the flexibility to overpay and adapt to changing circumstances.
Avant Mortgage Fixed Term Rates
Overview: With the Avant Fixed Term Rates Mortgage you can choose a fixed mortgage rate for a set number of years, giving you stable monthly repayments during that period. After your fixed term ends, your mortgage will switch to a follow-on variable rate. At that point, you can either fix your rate again for a new term or move to Avant Money’s Flex Mortgage.
Interest rates and mortgage term: You can choose from fixed terms of 3, 4, 5, 7, or 10 years, with interest rates starting from 3.40% (3.70% APRC), depending on your loan-to-value (LTV) ratio and chosen term.
Suitable for: The Avant Money Fixed Term Rates Mortgage is particularly suitable for home buyers who value certainty, stability, and predictability in their monthly repayments. Fixed rate mortgages are a good fit for people who want to avoid the risk of fluctuating interest rates and prefer to “fix and forget” their mortgage.
Avant Flex Mortgage
Overview: The Avant Flex Mortgage currently boasts Ireland’s lowest variable rate mortgage giving you the flexibility to make overpayments whenever you like, without any penalties. Plus, you have the freedom to switch to another mortgage product at any time, with no exit fees or penalties.
Interest rates: The Flex Mortgage currently offers some of the lowest variable rates in Ireland, starting from 3.30% (3.37% APRC). Your interest rate is reviewed and adjusted annually, based on the 12-month Euribor market rates, ensuring complete transparency in how your rate is determined.
Suitable for: The Avant Money Flex Mortgage is best suited for home buyers who value flexibility, transparency, and the potential to benefit from falling interest rates. This mortgage product appeals to:
- Borrowers who want flexibility to overpay
- Home buyers comfortable with variable rates
- Those who want the option to switch
- Buyers seeking lower starting rates
- People who anticipate interest rates may fall
Avant Mortgage products summary:
| Mortgage Products | Fixed Terms Available | Starting Rate (APRC) | Key Features |
| One Mortgage | 3, 4, 5, 7, 10 years | 3.40% (3.70% APRC) | Fixed for life, 10% overpayment, capped fees |
| Fixed Rate Mortgage | 15, 20, 25, 30 years | 3.40% (3.70% APRC) | Fixed repayments, option to refix or switch |
| Flex Mortgage | Variable (reviewed yearly) | 3.30% (3.37% APRC) | Flexible repayments, switch options, no cashback |
Looking to secure an Avant Mortgage in Ireland? Find the Avant mortgage product that best suits your personal circumstances by contacting JC Mortgage Brokers for a free consultation and expert mortgage advice. Make contact today on 01-8102032 or email info@jcmortgages.ie.
About Avant Money Mortgages
Avant Money has been part of Ireland’s financial scene for over 20 years. It started out as MBNA, a company that mainly offered credit cards and personal loans. In 2020, it changed its name to Avant Money to focus more on offering a wider range of financial products.
The company entered the Irish mortgage market in late 2020 and in 2021, Avant Money made headlines by being the first Irish lender to offer a 30-year fixed-rate mortgage, giving homebuyers long-term peace of mind.
Since then, the company has grown a lot, now offering personal loans, credit cards, and mortgages to over 200,000 people in Ireland.
Why choose an Avant Mortgage?
Whether you’re a first-time buyer, home mover, or looking to switch your mortgage – Avant Money offers some of Ireland’s most competitive interest rates, including both fixed and variable options. You can select a fixed rate for 3, 4, 5, 7, or 10 years, or opt for the unique One Mortgage, which lets you fix your rate for up to 30 years—providing long-term certainty and stable monthly repayments. For those seeking flexibility, the Flex Mortgage offers Ireland’s lowest variable rate, with transparent pricing linked to the 12-month Euribor. This means your rate is reset annually based on a clear, external benchmark, and you have the freedom to overpay or switch to another mortgage product at any time, all without penalties.
Why choose JC Mortgages as your Avant Mortgage Broker?
With 20+ years in the mortgage industry, John Coleman and his team of expert mortgage advisors are ready to help you with your Avant Mortgage application, ensuring you have a specialist on hand from the start to the end of your mortgage process. Contact JC Mortgage Brokers for a free consultation and expert mortgage advice. Make contact today on 01-8102032 or email info@jcmortgages.ie.
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