Finding the right mortgage is one of the most important financial decisions you’ll ever make. With so many lenders and offers available in Ireland, it can be overwhelming to know where to start. That’s why comparing mortgages is essential-whether you’re a first-time buyer, switching your mortgage, or moving home, the right mortgage comparison can help you secure the best interest rates and save thousands over the lifetime of your loan. Find everything you need to compare mortgage rates in Ireland, understand your options, and make an informed choice with confidence. Start your journey to the perfect mortgage today!
Compare Mortgages Ireland Guide includes:
- Why compare mortgage rates?
- Compare mortgage partners with JC Mortgages
- Types of mortgages available in Ireland
- Contact JC Mortgage Brokers for a free mortgage consultation
Why Compare Mortgage Rates in Ireland?
Comparing mortgage rates in Ireland is essential because even a small difference in interest rates can have a big impact on how much you pay over the life of your mortgage. Since most people borrow large sums of money for long periods, often 20 to 30 years, a lower interest rate can save you thousands of euros in interest payments. For example, switching to a better mortgage deal could save Irish homeowners up to €7,000 a year, depending on the size of the loan and the rate difference. By shopping around, you can avoid settling for the first offer you receive and instead find a mortgage that fits your budget and financial goals.
In addition to saving money on interest, comparing mortgage rates helps you discover special offers, lower fees, or cash back incentives that some lenders may provide. These extras can make a real difference to the overall cost of your mortgage and your monthly repayments. Taking the time to research and compare your options also gives you greater confidence in your decision, ensuring you choose the best mortgage deal available. Ultimately, shopping around puts you in control and helps you get the most value for your money when buying or remortgaging your home in Ireland.
Looking to secure a mortgage in Ireland? Find the mortgage product that best suits your personal circumstances by contacting John Coleman, Mortgage Broker and his team of expert mortgage advisors for a free consultation. Make contact today on 01-8102032 or email info@jcmortgages.ie.
Compare mortgage partners with JC Mortgage Brokers
Avant Mortgages
Avant Money offers three distinct mortgage products each with their own features and benefits. Whether you’re a first-time buyer, moving home, or switching your mortgage, Avant Money offers some of Ireland’s most competitive interest rates, with both fixed and variable options. You can choose a fixed rate for 3, 4, 5, 7, or 10 years, or select the unique One Mortgage, which lets you fix your rate for up to 30 years for long-term certainty and stable repayments. If you prefer flexibility, the Flex Mortgage offers Ireland’s lowest variable rate, linked to the 12-month Euribor, so your rate is reviewed annually based on a transparent benchmark. You can also make overpayments or switch products at any time without penalties. Compare Avant Money Mortgages
Bank of Ireland Mortgages
Bank of Ireland (BOI) mortgages offers a comprehensive range of mortgage products tailored for the Irish market, including first-time buyer mortgages with up to 4 times gross annual income and 90% loan-to-value, EcoSaver Mortgages that reward energy-efficient homes with tiered interest rate discounts, and Switcher Mortgages featuring up to 3% cashback and options to release equity. High Value Mortgages are available for loans of €250,000 or more, providing exclusive fixed rates and further discounts for energy-efficient properties, while self-build and buy-to-let mortgages offer flexible solutions for home construction and property investment. With features like deferred repayments, flexible terms up to 35 years, and incentives such as cashback and partnerships for energy upgrades, Bank of Ireland’s mortgage range is designed to meet the diverse needs of Dublin and Irish customers, whether buying, building, switching, or investing. Compare Bank of Ireland Mortgages
Permanent TSB Mortgages
Permanent TSB offers a broad range of mortgage products for the Irish market, including options for first-time buyers, home movers, switchers, and buy-to-let investors, with residential mortgages typically available for loans over €100,000. First-time and second-time buyers can borrow up to 90% of a property’s value, with lending limits up to 4 times gross annual income for first-time buyers and 3.5 times for others, while switchers releasing equity can borrow up to 85% LTV. Key incentives include 2% cashback at drawdown, an additional 2% monthly cashback on repayments (when paid from a PTSB Explore Account), and a 0.5% rate discount for the first year on variable rates. Flexible payment options, fixed and variable rate choices, and managed variable rates based on loan-to-value provide further flexibility, while buy-to-let mortgages offer competitive rates and terms up to 75% LTV for resident investors. Permanent TSB’s mortgage products are designed to support a variety of home ownership and investment needs for customers in Dublin and across Ireland.
ICS Mortgages
ICS Mortgages offers a flexible suite of mortgage products for home buyers, movers, switchers, and buy-to-let investors across Ireland, with competitive rates starting from 3.85% on three-year fixed terms and a choice of variable or fixed rates over three or five years. Borrowers can overpay up to 20% of their mortgage annually without penalty, avail of mortgage breaks up to three times during the loan term, and benefit from features like a two-year interest-only option for first-time buyers, movers, and switchers on selected fixed rates. Lending is available for principal dwelling homes and investment properties, with buy-to-let loans offering both interest-only and capital-plus-interest options up to 70% LTV. ICS Mortgages considers variable income, supports up to four applicants per mortgage, and allows lending up to age 80 (where income is evidenced in retirement), making their products suitable for a wide range of Dublin and Irish customers seeking tailored, flexible solutions for home purchase or property investment.
Núa Mortgages
Núa Mortgages delivers a fully digital mortgage experience for Irish customers, offering a range of products for first-time buyers, home movers, switchers, and those seeking to release equity, with flexible terms up to 40 years and borrowing available to age 75. Their acceptance criteria are more generous than many traditional lenders, allowing for features such as joint borrowing by siblings and equity release up to €300,000, while also providing fast approvals and streamlined application through selected brokers. Núa’s mortgage rates are competitive for fixed terms, and they offer both standard and green mortgage options, with lending limits in line with Central Bank of Ireland rules—up to 4 times income for first-time buyers and 3.5 times for movers, and up to 90% loan-to-value. With a focus on speed, accessibility, and innovative digital solutions, Núa is positioned as a modern alternative for Dublin and Irish homebuyers seeking flexibility and efficiency in the mortgage process
Looking to secure a mortgage in Ireland? Find the mortgage product that best suits your personal circumstances by contacting John Coleman, Mortgage Broker and his team of expert mortgage advisors for a free consultation. Make contact today on 01-8102032 or email info@jcmortgages.ie.
Compare types of Mortgages available in Ireland
Fixed rate mortgages
A fixed rate mortgage is a home loan where the interest rate stays the same for a set period, usually between two and ten years. This means your monthly repayments won’t change during that time, making it easier to budget and giving you peace of mind, even if market interest rates go up. However, if rates fall, you won’t benefit from lower payments, and there may be fees if you want to switch or pay off your mortgage early before the fixed period ends.
Variable rate mortgages
A variable rate mortgage is a type of home loan where the interest rate can go up or down over time, meaning your monthly repayments may change as well. If interest rates fall, your repayments will decrease, which can save you money. However, if rates rise, your payments could go up, making it harder to budget each month.
Variable rate mortgages often offer more flexibility than fixed rate options, such as allowing you to make extra payments or pay off your mortgage early without penalty. This flexibility can be useful if you want the option to switch lenders or make lump sum repayments.
Tracker mortgages
A tracker mortgage is a type of variable rate mortgage where the interest rate is directly linked to an external reference rate, most commonly the European Central Bank (ECB) or Bank of England base rate. This means your mortgage rate will move up or down in line with changes to that base rate, plus a fixed margin set by your lender, such as “ECB rate + 1%”. If the base rate rises, your repayments will increase; if it falls, your repayments will go down.
Tracker mortgages offer more transparency than standard variable rate mortgages because the rate changes are tied to a public benchmark rather than being set at the lender’s discretion
Buy-to-let mortgages
A buy-to-let mortgage is designed for people who want to purchase a property to rent out rather than live in themselves. In Ireland, these mortgages are typically used as an investment to generate rental income and, potentially, long-term capital growth. Most buy-to-let mortgages are interest-only, meaning your monthly repayments only cover the interest, not the original loan amount. At the end of the mortgage term, you’ll need to repay the full loan, often by selling the property or refinancing.
Buy-to-let mortgages usually require a larger deposit than standard home loans-typically at least 25–30% of the property’s value in Ireland. The amount you can borrow is based mainly on the expected rental income from the property, rather than your personal income, and lenders generally require that the rent covers at least 125% of the mortgage repayments.
Why choose JC Mortgages as your Mortgage Broker?
With 20+ years in the mortgage industry, John Coleman Mortgage Broker and his team of expert mortgage advisors are ready to help you with your 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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