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Rates for your first home, up to 90% of the price
Checked 21 Oct 2026each lender's own rates page, read on 21 October 2026 and checked again every week.
A first-time buyer with a 10% deposit borrows 90% of the price, which is the band the table starts on. A new build usually gets a green rate too: put in its BER to see them.
Every rate on offer: 136 from 9 lenders, sorted by interest rate, lowest first. Put in the price and the loan to see only the rates for your loan-to-value, what each costs a month, and the interest over 5 years.
| Rate | Cashback | Checked | ||||
|---|---|---|---|---|---|---|
 PTSB | 4 year fixed, up to 60% LTVthen variable, 4.40% today | 4 yr | 3.00% | 3.96% | none | 21 Oct 2026 |
 AIB | Higher Value 4 year fixed, up to 50% LTVloans from €250,000then variable, 3.75% today | 4 yr | 3.15% | 3.60% | none | 21 Oct 2026 |
 Avant Moneythrough a broker | High Value 4 year fixed, up to 60% LTVloans from €300,000then variable, 3.75% today | 4 yr | 3.20% | 3.62% | none | 21 Oct 2026 |
| AIB | Higher Value 4 year fixed, 50% to 80% LTVloans from €250,000then variable, 3.95% today | 4 yr | 3.20% | 3.74% | none | 21 Oct 2026 |
| AIB | Higher Value 4 year fixed, over 80% LTVloans from €250,000then variable, 4.15% today | 4 yr | 3.25% | 3.88% | none | 21 Oct 2026 |
| PTSB | 4 year fixed, 60% to 80% LTVthen variable, 4.50% today | 4 yr | 3.25% | 4.12% | none | 21 Oct 2026 |
| Avant Moneythrough a broker | High Value 4 year fixed, 60% to 70% LTVloans from €300,000then variable, 3.75% today | 4 yr | 3.30% | 3.66% | none | 21 Oct 2026 |
| Avant Moneythrough a broker | High Value 4 year fixed, 70% to 80% LTVloans from €300,000then variable, 3.95% today | 4 yr | 3.30% | 3.78% | none | 21 Oct 2026 |
| AIB | 1 year fixed, up to 50% LTVthen variable, 3.75% today | 1 yr | 3.30% | 3.79% | none | 21 Oct 2026 |
| AIB | 2 year fixed, up to 50% LTVthen variable, 3.75% today | 2 yr | 3.35% | 3.75% | none | 21 Oct 2026 |
| PTSB | 7 year fixed, up to 60% LTVthen variable, 4.40% today | 7 yr | 3.35% | 3.86% | 2%2% at drawdown | 21 Oct 2026 |
| PTSB | High Value 5 year fixed, up to 60% LTVloans from €250,000then variable, 4.40% today | 5 yr | 3.35% | 4.02% | 2%2% at drawdown | 21 Oct 2026 |
| Avant Moneythrough a broker | One Mortgage, fixed for the whole term up to 30 years, up to 60% LTV | 30 yr, whole term | 3.40% | 3.47% | 1%1% at drawdown, mortgages drawn down in 2026 | 21 Oct 2026 |
| Avant Moneythrough a broker | One Mortgage, fixed for the whole term up to 30 years, 60% to 70% LTV | 30 yr, whole term | 3.40% | 3.47% | 1%1% at drawdown, mortgages drawn down in 2026 | 21 Oct 2026 |
| Avant Moneythrough a broker | One Mortgage, fixed for the whole term up to 30 years, 70% to 80% LTV | 30 yr, whole term | 3.40% | 3.47% | 1%1% at drawdown, mortgages drawn down in 2026 | 21 Oct 2026 |
| Avant Moneythrough a broker | 4 year fixed, up to 60% LTVthen variable, 3.75% today | 4 yr | 3.40% | 3.70% | 2%2% at drawdown, mortgages drawn down in 2026 | 21 Oct 2026 |
| Avant Moneythrough a broker | 4 year fixed, 60% to 70% LTVthen variable, 3.75% today | 4 yr | 3.40% | 3.70% | 2%2% at drawdown, mortgages drawn down in 2026 | 21 Oct 2026 |
| Avant Moneythrough a broker | 4 year fixed, 70% to 80% LTVthen variable, 3.95% today | 4 yr | 3.40% | 3.82% | 2%2% at drawdown, mortgages drawn down in 2026 | 21 Oct 2026 |
| AIB | 1 year fixed, 50% to 80% LTVthen variable, 3.95% today | 1 yr | 3.40% | 3.98% | none | 21 Oct 2026 |
| Avant Moneythrough a broker | 5 year fixed, up to 60% LTVthen variable, 3.75% today | 5 yr | 3.45% | 3.69% | 2%2% at drawdown, mortgages drawn down in 2026 | 21 Oct 2026 |
| Avant Moneythrough a broker | 5 year fixed, 60% to 70% LTVthen variable, 3.75% today | 5 yr | 3.45% | 3.69% | 2%2% at drawdown, mortgages drawn down in 2026 | 21 Oct 2026 |
| Avant Moneythrough a broker | 3 year fixed, up to 60% LTVthen variable, 3.75% today | 3 yr | 3.45% | 3.74% | 2%2% at drawdown, mortgages drawn down in 2026 | 21 Oct 2026 |
| Avant Moneythrough a broker | 3 year fixed, 60% to 70% LTVthen variable, 3.75% today | 3 yr | 3.45% | 3.74% | 2%2% at drawdown, mortgages drawn down in 2026 | 21 Oct 2026 |
| Avant Moneythrough a broker | 5 year fixed, 70% to 80% LTVthen variable, 3.95% today | 5 yr | 3.45% | 3.80% | 2%2% at drawdown, mortgages drawn down in 2026 | 21 Oct 2026 |
| Avant Moneythrough a broker | 3 year fixed, 70% to 80% LTVthen variable, 3.95% today | 3 yr | 3.45% | 3.89% | 2%2% at drawdown, mortgages drawn down in 2026 | 21 Oct 2026 |
Interest over 5 years is the money gone in that time on your loan, worked out here: at the rate shown while it is fixed, then at the lender’s follow-on variable rate as published today, less any cashback. It counts interest, not repayments, so a lower monthly figure that leaves a bigger balance is not flattered. The table starts sorted by it, lowest first. It is a sum for your figures, not a recommendation: a longer fix costs more in these years and buys certainty for longer, and only you can weigh that.
A month is the repayment on your loan at that rate over the term you chose, worked out here. APRC is the lender’s own yearly cost figure, including its fees and the variable rate it assumes after the fixed period, on its standard example loan. Compare APRC between lenders; do not compare it with the monthly figure. Cashback is money back at drawdown on this loan size.
For scale: the Central Bank’s average rate on new mortgages was 3.53% in 2026-08 (fixed 3.49%, variable 4.16%; euro area 3.62%).
The CCPC runs an official comparison with every product, updated by the lenders themselves: CCPC: mortgage comparisons. The order here is the sort you choose.
Information, not advice. Rates change without notice. A rate shown here is the lender’s published rate on the date in the row, for the loan-to-value band and buyer shown; your own rate depends on the lender’s assessment, and the monthly figure is worked out here from that rate, not quoted by the lender. Last read 21 October 2026. Last checked 2026-10-21. MortgageWise is an independent site, not connected with the Central Bank of Ireland, Revenue, the Housing Agency, any local authority, any lender or any Government department. It is not a lender, a mortgage broker, a credit or insurance intermediary, a solicitor, a tax adviser or a financial adviser. It covers the Republic of Ireland only. Before you sign anything, talk to a solicitor and, for advice on a mortgage, to an advisor regulated by the Central Bank of Ireland.