Lenders · Bankinter
Avant Money: what it offers and who it suits
Checked 21 Oct 2026Avant Money's own pages and the Central Bank register.
Buyers who want a long fixed term, including one fixed for the life of the loan, through a broker.
- Regulated as
- a retail credit firm by the Central Bank of Ireland
- How to apply
- Through a mortgage advisor only
- Overpay on a fixed rate
- 10% of the balance a year without a fee
- Longest term
- 30 years, to age 70
- Switcher offer
- 2% cashback2% cashback on a 3, 4, 5, 7 or 10 year fixed rate and 1% on One Mortgage, drawn down in 2026; none on the High Value or Flex rates.
- First-time buyers
- Long fixed terms, including One Mortgage, a rate fixed for the whole term; 2% cashback on the standard fixed rates drawn down in 2026.
- Green rate
- No separate green rate listed
- The lender’s own rates page
- www.avantmoney.ie/mortgages/products-and-rates
Rates checked
| Cashback | Checked | |||||
|---|---|---|---|---|---|---|
| High Value 4 year fixed, up to 60% LTVloans from €300,000 | up to 60% LTV | 4 yr | 3.20% | 3.62% | none | 21 Oct 2026 |
| High Value 4 year fixed, 60% to 70% LTVloans from €300,000 | 60% to 70% LTV | 4 yr | 3.30% | 3.66% | none | 21 Oct 2026 |
| High Value 4 year fixed, 70% to 80% LTVloans from €300,000 | 70% to 80% LTV | 4 yr | 3.30% | 3.78% | none | 21 Oct 2026 |
| 4 year fixed, up to 60% LTV | up to 60% LTV | 4 yr | 3.40% | 3.70% | 2% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 15 years, up to 60% LTV | up to 60% LTV | whole term to 15 yr | 3.40% | 3.48% | 1% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 20 years, up to 60% LTV | up to 60% LTV | whole term to 20 yr | 3.40% | 3.48% | 1% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 25 years, up to 60% LTV | up to 60% LTV | whole term to 25 yr | 3.40% | 3.47% | 1% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 30 years, up to 60% LTV | up to 60% LTV | whole term to 30 yr | 3.40% | 3.47% | 1% | 21 Oct 2026 |
| 4 year fixed, 60% to 70% LTV | 60% to 70% LTV | 4 yr | 3.40% | 3.70% | 2% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 15 years, 60% to 70% LTV | 60% to 70% LTV | whole term to 15 yr | 3.40% | 3.48% | 1% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 20 years, 60% to 70% LTV | 60% to 70% LTV | whole term to 20 yr | 3.40% | 3.48% | 1% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 25 years, 60% to 70% LTV | 60% to 70% LTV | whole term to 25 yr | 3.40% | 3.47% | 1% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 30 years, 60% to 70% LTV | 60% to 70% LTV | whole term to 30 yr | 3.40% | 3.47% | 1% | 21 Oct 2026 |
| 4 year fixed, 70% to 80% LTV | 70% to 80% LTV | 4 yr | 3.40% | 3.82% | 2% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 15 years, 70% to 80% LTV | 70% to 80% LTV | whole term to 15 yr | 3.40% | 3.48% | 1% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 20 years, 70% to 80% LTV | 70% to 80% LTV | whole term to 20 yr | 3.40% | 3.48% | 1% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 25 years, 70% to 80% LTV | 70% to 80% LTV | whole term to 25 yr | 3.40% | 3.47% | 1% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 30 years, 70% to 80% LTV | 70% to 80% LTV | whole term to 30 yr | 3.40% | 3.47% | 1% | 21 Oct 2026 |
| 3 year fixed, up to 60% LTV | up to 60% LTV | 3 yr | 3.45% | 3.74% | 2% | 21 Oct 2026 |
| 5 year fixed, up to 60% LTV | up to 60% LTV | 5 yr | 3.45% | 3.69% | 2% | 21 Oct 2026 |
| 3 year fixed, 60% to 70% LTV | 60% to 70% LTV | 3 yr | 3.45% | 3.74% | 2% | 21 Oct 2026 |
| 5 year fixed, 60% to 70% LTV | 60% to 70% LTV | 5 yr | 3.45% | 3.69% | 2% | 21 Oct 2026 |
| 3 year fixed, 70% to 80% LTV | 70% to 80% LTV | 3 yr | 3.45% | 3.89% | 2% | 21 Oct 2026 |
| 5 year fixed, 70% to 80% LTV | 70% to 80% LTV | 5 yr | 3.45% | 3.80% | 2% | 21 Oct 2026 |
| High Value 4 year fixed, 80% to 90% LTVloans from €300,000 | 80% to 90% LTV | 4 yr | 3.60% | 3.90% | none | 21 Oct 2026 |
| 3 year fixed, 80% to 90% LTV | 80% to 90% LTV | 3 yr | 3.70% | 3.97% | 2% | 21 Oct 2026 |
| 4 year fixed, 80% to 90% LTV | 80% to 90% LTV | 4 yr | 3.70% | 3.94% | 2% | 21 Oct 2026 |
| 5 year fixed, 80% to 90% LTV | 80% to 90% LTV | 5 yr | 3.70% | 3.92% | 2% | 21 Oct 2026 |
| 7 year fixed, up to 60% LTV | up to 60% LTV | 7 yr | 3.80% | 3.87% | 2% | 21 Oct 2026 |
| 10 year fixed, up to 60% LTV | up to 60% LTV | 10 yr | 3.80% | 3.88% | 2% | 21 Oct 2026 |
| 7 year fixed, 60% to 70% LTV | 60% to 70% LTV | 7 yr | 3.80% | 3.87% | 2% | 21 Oct 2026 |
| 10 year fixed, 60% to 70% LTV | 60% to 70% LTV | 10 yr | 3.80% | 3.88% | 2% | 21 Oct 2026 |
| 7 year fixed, 70% to 80% LTV | 70% to 80% LTV | 7 yr | 3.80% | 3.95% | 2% | 21 Oct 2026 |
| 10 year fixed, 70% to 80% LTV | 70% to 80% LTV | 10 yr | 3.80% | 3.92% | 2% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 15 years, 80% to 90% LTV | 80% to 90% LTV | whole term to 15 yr | 3.80% | 3.90% | 1% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 20 years, 80% to 90% LTV | 80% to 90% LTV | whole term to 20 yr | 3.80% | 3.89% | 1% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 25 years, 80% to 90% LTV | 80% to 90% LTV | whole term to 25 yr | 3.80% | 3.89% | 1% | 21 Oct 2026 |
| One Mortgage, fixed for the whole term up to 30 years, 80% to 90% LTV | 80% to 90% LTV | whole term to 30 yr | 3.80% | 3.88% | 1% | 21 Oct 2026 |
| 7 year fixed, 80% to 90% LTV | 80% to 90% LTV | 7 yr | 3.95% | 4.05% | 2% | 21 Oct 2026 |
| 10 year fixed, 80% to 90% LTV | 80% to 90% LTV | 10 yr | 3.95% | 4.05% | 2% | 21 Oct 2026 |
| Flex variable, up to 80% LTV | up to 80% LTV | variable | 4.14% | 4.24% | none | 21 Oct 2026 |
| Flex variable, over 80% LTV | 80% to 90% LTV | variable | 4.34% | 4.45% | none | 21 Oct 2026 |
How it compares
See Avant Money beside every other lender on the rates comparison, and check what a switch would save after fees with the switching calculator. Before you deal with any lender or advisor, check the Central Bank register.
Information, not advice. Nothing here is a recommendation; the right lender depends on your own circumstances, which only a lender or a regulated advisor can assess. 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.