Lenders · Bawag
MoCo: what it offers and who it suits
Checked 21 Oct 2026MoCo's own pages and the Central Bank register.
Broker customers who want a newer lender's 3 or 5 year fixed rates.
- 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
- 35 years, to age 70
- Switcher offer
- None listedThrough a broker only.
- First-time buyers
- Through a broker only.
- Green rate
- No separate green rate listed
- The lender’s own rates page
- www.moco.ie/moco/our-rates
Rates checked
| Cashback | Checked | |||||
|---|---|---|---|---|---|---|
| 3 year fixed, up to 50% LTV | up to 50% LTV | 3 yr | 3.70% | 4.14% | none | 21 Oct 2026 |
| 5 year fixed, up to 50% LTV | up to 50% LTV | 5 yr | 3.70% | 4.05% | none | 21 Oct 2026 |
| 3 year fixed, 50% to 60% LTV | 50% to 60% LTV | 3 yr | 3.70% | 4.14% | none | 21 Oct 2026 |
| 5 year fixed, 50% to 60% LTV | 50% to 60% LTV | 5 yr | 3.70% | 4.05% | none | 21 Oct 2026 |
| 3 year fixed, 60% to 70% LTV | 60% to 70% LTV | 3 yr | 3.75% | 4.15% | none | 21 Oct 2026 |
| 5 year fixed, 60% to 70% LTV | 60% to 70% LTV | 5 yr | 3.75% | 4.07% | none | 21 Oct 2026 |
| 3 year fixed, 70% to 80% LTV | 70% to 80% LTV | 3 yr | 3.85% | 4.18% | none | 21 Oct 2026 |
| 5 year fixed, 70% to 80% LTV | 70% to 80% LTV | 5 yr | 3.85% | 4.12% | none | 21 Oct 2026 |
| 3 year fixed, 80% to 90% LTV | 80% to 90% LTV | 3 yr | 4.05% | 4.25% | none | 21 Oct 2026 |
| 5 year fixed, 80% to 90% LTV | 80% to 90% LTV | 5 yr | 4.05% | 4.22% | none | 21 Oct 2026 |
How it compares
See MoCo 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.