Finance Ireland - Our Mortgage Rates
Our Mortgage Rates
Variable interest rates - existing customers
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 4.90% | 5.04% |
| <= 60% | 5.10% | 5.25% |
| <= 70% | 5.10% | 5.25% |
| <= 80% | 5.10% | 5.25% |
| <= 90% | 5.30% | 5.46% |
Fixed interest rates - existing customers
3 Year Fixed Rates for your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 5.75% | 5.32% |
| <= 60% | 5.75% | 5.32% |
| <= 70% | 5.80% | 5.48% |
| <= 80% | 5.80% | 5.48% |
| <= 90% | 6.15% | 5.75% |
5 Year Fixed Rates for your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 5.55% | 5.37% |
| <= 60% | 5.55% | 5.48% |
| <= 70% | 5.60% | 5.51% |
| <= 80% | 5.60% | 5.51% |
| <= 90% | 6.00% | 5.82% |
Qualifying Criteria
The Progress mortgage is available to customers who have no previous credit issues and are taking out a mortgage on their main home only.
The Details:
- Borrow up to 90% loan to value for first time buyers and movers and up to 80% for refinance applications.
- Up to 35 year term available, with a minimum term of 5 years.
- Borrow up to €1,250,000 in Dublin city and county up to €750,000 elsewhere.
- Buy-to-Let loans are excluded.
- Previous arrears on unsecured loans must be more than two years ago and on secured loans more than 5 years ago.
Variable interest rates - existing customers
For your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 5.25% | 5.40% |
| <= 60% | 5.40% | 5.56% |
| <= 70% | 5.45% | 5.62% |
| <= 80% | 5.75% | 5.93% |
| <= 90% | 6.05% | 6.25% |
*APRC = Annual Percentage Rate of Charge
For buy to let properties
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 5.65% | 6.10% |
| <= 60% | 5.65% | 6.10% |
| <= 70% | 5.85% | 6.31% |
| <= 80% | 6.70% | 7.22% |
Fixed interest rates - existing customers
3 Year Fixed Rates for your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 6.70% | 5.90% |
| <= 60% | 6.70% | 6.01% |
| <= 70% | 6.70% | 6.05% |
| <= 80% | 6.70% | 6.26% |
| <= 90% | 6.85% | 6.53% |
*APRC = Annual Percentage Rate of Charge
5 Year Fixed Rates for your main home
| Loan to Value (LTV) | Rate | APRC* |
|---|---|---|
| <= 50% | 6.60% | 6.12% |
| <= 60% | 6.60% | 6.20% |
| <= 70% | 6.60% | 6.22% |
| <= 80% | 6.60% | 6.38% |
| <= 90% | 6.70% | 6.60% |
Qualifying Criteria
The Progress Plus mortgage allows for a little more flexibility around things like previous credit issues, self-employed income assessment, refinancing and buying a buy-to-let property for example.
The Details:
- Borrow up to 90% loan to value for first time buyers and movers, up to 80% for refinance applications and up to 70% for buy-to-let properties.
- Up to 35 year term available, with a minimum of 5 years (investors have a maximum term of 25 years)
- Borrow up to €1,250,000 in Dublin city and county and up to €750,000 elsewhere.
- Self-employed applicants will need to provide a minimum of 2 years supporting income documentation.
- Previous arrears on unsecured loans must be more than 6 months ago and on secured loans more than 4 years ago.
- A fee of €500 will apply to buy-to-let mortgages.
Regulatory Notices
Where a variable interest rate applies to a loan:
Your interest rate may increase and the amount of your mortgage repayments may increase as a result.
Where a fixed interest rate applies to a loan:
You may have to pay charges if you pay off a fixed-rate loan early.
If you do not keep up your repayments you may lose your home.
If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Rates correct as at 12/08/2026. The quoted APRC is a typical APRC based on an assumed switching loan balance of €100,000 over a remaining 20-year term. Fixed rate APRC calculations are based on the assumption that on the conclusion of the fixed rate period the account will revert to a variable rate of interest equivalent to the variable rate of interest to which the customer would be entitled, based on their LTV %, immediately prior to the commencement of their fixed rate period. Lending terms and conditions apply. A typical mortgage of €100,000 over 20 years with 240 monthly instalments costs €676 per month at 5.30% variable (Annual Percentage Rate of Charge (APRC) 5.46%). The total amount you pay is €162,654. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 90% of the property value for movers and 80% of the property value for switchers and refinancers (4 times gross income and 90% of the property value for First Time Buyers). A 1% interest rate rise would increase monthly repayments by €58 per month. Finance Ireland Credit Solutions DAC trading as Finance Ireland Residential Mortgages is regulated by the Central Bank of Ireland.
