“What’s the best mortgage for ….?”.

With rising interest rates everyone wants to make sure that they are getting the best rate available to them. But with so many different categories, how do you determine what is the best rate? To make your life a little easier we have created the Switcheroo.ie best mortgage rate table.

You will still need to talk to a mortgage advisor to get advice on what product best suits your needs but this can be a refence guide for home and mortgage hunters to quickly identify what are the best mortgage rates across the main categories that available on the market.

We have compiled our view of the best mortgages in the Irish Market across the following categories:

Best Variable Rate: Variable rates are providing the best value in the market now as the swap market has pushed up fixed rates up, so it is worth looking at variable rate options. Great for customers who are looking to pay down their mortgage in large portions and avoid breaking any fixed term penalty fees.

Best Switcher Mortgage: If your fixed term is coming to an end, you may want to look around before you roll onto a Standard Variable Rate. We have included some cash back offers here to cover switching costs.

Best Fixed Rates: If you are looking for certainty of monthly payment costs for several years then fixing is for you.

Best Cash Back Mortgage: Buying your first home and would like some extra cash to help with the furniture? Then check out the best cash back offers in the market.

Best Green Mortgage: While we have included Green mortgages across the other categories we felt that they deserve their own category given their popularity. A Building Energy Rating (BER) of B3 or higher is required for any Green mortgage.

To get any of these or other mortgage, register at Switcheroo.ie and arrange an appointment with one of our mortgage advisors.

Best Mortgage Rate Table 28/04/2023

	Min Size	Bank	LTV	Term	Rate	Cashback

Best Variable Rates
		Haven	<50%	NA	2.75%
		Haven	<80%	NA	2.95%
		Haven	<90%	NA	3.15%

Best Switcher Products
		Avant	<60%	3 years	3.25%
		AIB/Haven (Green)	<90%	4 years	3.65%	€2,000
	>€250k	PTSB (Green)	<60%	5 Years	3.95%	2% of balance & 2% of payments
	>€250k	Bank of Ireland (Green)	<90%	5 Years	4.20%	2% on drawdown and 1% at year 5

Best Fixed Term Rates
		Avant	<90%	3 years	3.40%
	>€250k	Bank of Ireland (Green)	<90%	4 years	3.40%
	>€250k	Bank of Ireland (Green)	<90%	5 years	3.70%
	>€250k	Bank of Ireland (Green)	<90%	7 years	3.75%
		Avant	<90%	10 Years	4.55%

Best Cashback Offers
	>€250k	Haven	<90%	3 years	4.10%	€5,000
	>€250k	Bank of Ireland (Green)	<90%	5 years	4.20%	2% on drawdown and 1% at year 5

Best Green Mortgage
		Haven	<90%	4 years	3.65%
	>€250k	Bank of Ireland	<90%	4 years	3.40%
	>€250k	Bank of Ireland	<90%	7 years	3.75%