By using this website, you agree to be bound by our Terms of Use and consent to the use of cookies in accordance with our Cookie Policy.

Moving Home? Sort out all your mortgage needs

Compare interest rates and mortgage quotes

Your Details
What's this?

What's this?

What's this?
What's this?


What's this?

Get the best rates for your mortgage

Your home is likely to be the biggest purchase that you make in your life, so you’re going to want to make sure you’ve gone with a mortgage lender that best meets your needs.

There are quite a few mortgage lenders in Ireland, so it can be tricky knowing where to start. It’s even trickier trying to work out which type of mortgage is going to reflect your best interests. Should you go for a variable or a fixed rate mortgage?

Using our FREE, accurate and easy-to-use mortgage comparison calculator you can compare both variable and fixed rate mortgages across all of Ireland’s major mortgage lenders. Type in a few pieces of information and you’ll be brought to results which tabulate the best available options. Found the perfect rate for you? Let be the gateway to the beginning of your mortgage application process.

How much money do I need to save for my mortgage deposit?

Since the 1st 2017, first-time buyers have been allowed a 90% loan-to-value limit, meaning that they are required to provide a deposit of 10% up front for any property. This percentage goes up to 20% for second-time and subsequent buyers.

How much money can I borrow for my mortgage?

The Central Bank (the ruling authority on mortgage lending) states that a prospective property buyer cannot borrow more than 3.5 times their annual income.

So, for example, if you earn €45,000 a year, you can buy a house with a maximum value of €157,000. If you’re buying with a partner who also earns €45,000, that amount doubles to €315,000.

It’s important to note that there are exceptions; 20% of first-time buyer mortgages can be above the 3.5 times your income cap and from January 1st 2018, 10% of second and subsequent mortgages can be above this limit.

Which type of mortgage is better, variable or fixed rate?

When applying for a mortgage one of your biggest decisions will be to choose between a variable or fixed rate of interest for your repayments. Variable rates are traditionally more popular as they offer greater flexibility (there are no penalties for top up payments, term extensions or paying your mortgage off early)and you could benefit from falling ECB rates. However, variable rates can’t offer predictability or stability, leaving the customer at the mercy of changeable rates.

Fixed rates on the other hand, can offer budget-conscious mortgage customers much sought after peace of mind in the form of stable, predictable monthly repayments for a predetermined term. Of course, however, if you lock yourself into a long term fixed rate you could find yourself missing out on comparatively lower variable rates meaning you’ll end up paying more than you have to.

Gas & Electricity

Switch to the cheapest energy deal in Ireland

Setup a new connection

Broadband, Phone & TV

Compare the best Broadband, Phone & TV deals

Contact a new provider

Mortgage Protection

Find the lowest Mortgage Protection quotes in Ireland

Get the best deal


Here's what our customers say about us

Independent Service Rating based on verified reviews. Read all reviews

Quick and Easy

We’re Ireland’s leading price comparison and switching site. We’re free to use and make comparing prices across suppliers quick and easy!

Save Time and Money

We save you time by bringing you all the best deals in one place. Every year we help tens of thousands of customers to switch and save money!

You Can Trust Us

We’re 100% impartial and are also accredited by the Commission for Regulation of Utilities (CRU) as an impartial, accurate and independent supplier of energy price comparisons.