Every mortgage lender in Ireland, in plain English
Checked 21 Oct 2026each lender's own pages and the Central Bank register.
Ten lenders write nearly every home loan in Ireland: three big banks, two more in the AIB group, four newer lenders that sell through brokers, and the credit unions. Each page says what the lender offers, who it suits, how you reach it, and its rates on the date checked.
- Direct and through brokersAIBDirect and broker customers who want a large branch network, a green rate for a B3 or better home, or the lower Higher Value rate from €250,000.Lowest rate published: 3.00% (3-year fixed, 0% to 50% LTV, BER A3 or better)Read →
- Direct and through brokersBank of IrelandBuyers who value cashback at drawdown and want to compare it honestly against a lower High Value rate, and homes with a good BER, which earns a lower rate on every fixed term.Lowest rate published: 3.10% (4-year fixed, any LTV, loans from €250k, BER A)Read →
- Direct and through brokersPTSBBuyers comparing cashback against a lower 4 year rate without it; a wide range of fixed terms and a green rate for a BER of A or B.Lowest rate published: 3.00% (4-year fixed, 0% to 60% LTV)Read →
- Direct onlyEBSDirect customers who want a simple product range from an AIB Group lender.Lowest rate published: 3.20% (4-year fixed, any LTV, BER B3 or better)Read →
- Through brokers onlyHaven MortgagesBuyers using a broker who want AIB Group lending with a green rate.Lowest rate published: 3.20% (4-year fixed, any LTV, BER B3 or better)Read →
- Through brokers onlyAvant MoneyBuyers who want a long fixed term, including one fixed for the life of the loan, through a broker.Lowest rate published: 3.20% (4-year fixed, 0% to 60% LTV, loans from €300k)Read →
- Through brokers onlyICS MortgagesBroker customers, including buy-to-let borrowers and public sector workers.Lowest rate published: 4.85% (variable, 0% to 60% LTV)Read →
- Through brokers onlyMoCoBroker customers who want a newer lender's 3 or 5 year fixed rates.Lowest rate published: 3.70% (3-year fixed, 0% to 50% LTV)Read →
- Through brokers onlyNúa MoneyBroker customers, including self-employed borrowers and those a bank has turned down.Lowest rate published: 4.55% (3-year fixed, 0% to 60% LTV)Read →
- Direct onlyCredit unionsMembers of a credit union that offers mortgages, often with no breakage fee on overpayments. Each credit union sets its own rate, so none is in the table.Read →
Information, not advice. The order is alphabetical by group. Rates are the headline figures on the date checked. 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.