Mortgage Rate Comparison Tool
Compare mortgage rates from Irish lenders side by side. See monthly repayments, total cost, and cashback offers at a glance.
Your Mortgage Details
Rate Comparison
| Lender | Product | Rate | Monthly | Total Cost | Cashback | Net Cost |
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Rates shown are indicative and based on publicly available information as of March 2026. Actual rates depend on your individual circumstances, LTV ratio, and lender assessment. Always confirm rates directly with the lender or a mortgage broker. Rates change frequently — check lender websites for the most current offers.
See your full buying power including deposit, Help to Buy, and all upfront costs
Full Affordability Calculator → Help to Buy CalculatorGreen rate bonus: Several Irish lenders offer 0.1–0.2% off for homes with a BER of B3+. Get an assessment from Homerating.ie (from €150). Already own? SEAI grants can fund the upgrade.
How to Compare Mortgage Rates in Ireland
A rate difference of just 0.25% on a €350,000 mortgage over 30 years amounts to roughly €15,000 in extra interest. That makes choosing the right rate one of the highest-value financial decisions you'll make — yet most buyers compare only two or three lenders before committing. In early 2026, the best fixed rates for new business sit around 3.2–3.7%, depending on your LTV and the lender.
Fixed vs Variable
Around 90% of new Irish mortgages are on fixed rates, and for good reason — they lock in your repayment for 2 to 10 years, protecting you from ECB rate movements. Variable rates are slightly lower in some cases but expose you to increases. When your fixed term ends, you revert to the lender's variable rate unless you refix or switch. That rollover moment is where many borrowers pay too much without realising.
Green Mortgage Discounts
If your home has a BER of B3 or better, most lenders offer a green mortgage discount of 0.1–0.2% off the standard rate. On a €350,000 mortgage, that saves €6,000–€12,000 over the life of the loan. If your BER is close, upgrading with SEAI-funded improvements before applying could pay for itself many times over.
Cashback vs Lower Rate
Some lenders offer 2–3% cashback on drawdown. On €350,000, that's €7,000–€10,500 upfront — tempting. But a lower rate from another lender almost always saves more over the full term. Run both scenarios through this calculator to see the real numbers. A broker can access all lenders and help you compare the true cost of each offer, including any conditions.
Related tools: Mortgage Switching Calculator · Mortgage Stress Test · Affordability Calculator
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Your Detailed Breakdown
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