Avant Money Mortgage Rates Ireland

If you have been doing any research on Irish mortgages lately, one name keeps popping up: Avant Money. And for good reason. Whether you are a first-time buyer trying to get your foot on the property ladder, someone thinking about switching, or a home mover looking for certainty over the long haul, Avant Money has built a reputation for doing things differently in that market. It felt like it had offered extraordinarily little choice for a long time.

So, what exactly does Avant Money offer? Are their rates as competitive as people say? And is it the right fit for you? Let us break it all down.

Who Is Avant Money?

Avant Money is not a new name in Ireland, though its mortgage product range is recent. The company is the Irish arm of Bankinter, one of Europe’s well-established banking groups with operations across Spain, Portugal, Luxembourg, and Ireland. The European backing is extremely important because Bankinter has access to cheaper deposits than many non-bank lenders. This is a huge reason Avant can consistently undercut some of the traditional Irish banks on rate.

They were awarded Best Mortgage Provider for Switchers at the Bonkers.ie awards in 2026 and picked up the Irish Mortgage Advisors (IMA) Award for Best Mortgage for Switchers in 2025

What Mortgage Products Does Avant Money Offer?

Avant Money has designed three distinct mortgage products, each targeting a different type of borrower:

1. Fixed-Rate Mortgages (3 to 10 Years)
These are Avant’s standard fixed-rate offerings with terms ranging from 3 to 10 years. They come with competitive follow-on variable rates once the fixed period ends, which is important because the rate you pay after your fixed term is often the hidden cost that catches people out. As of May 2026, Avant’s rates in this range are among the most competitive in the Irish market, with headline rates starting from around 3.45% on a 3-year fix for qualifying first-time buyers.

2. One Mortgage Ireland’s Only Full-Term Fixed Rate
This is what makes Avant Money truly stand out. The One Mortgage is, as of May 2026, the only mortgage in Ireland that locks your rate in for the entire term of your mortgage from 5 years up to 30 years, meaning your monthly repayment never changes. No re-fixing every few years, no uncertainty, no hoping the rate environment goes your way.
For people who want a sense of stability, particularly those who want to budget precisely over a prolonged period, this is a genuinely unique product in the Irish market.

3. Flex Mortgage

The Flex Mortgage is Avant’s variable-rate product and is currently advertised as Ireland’s lowest variable-rate mortgage. The rate resets annually based on the 12-month Euribor, and one of its standout features is the ability to overpay at any time without penalty. This is extremely useful if you want to chip away at your balance faster. The variable rate with an LTV of 80% or below currently sits at 3.65% (3.74% APRC).

Avant Money Mortgage Rates: What You’re Looking At in 2026

Avant Money cut its fixed rates by up to 0.35% in January 2026, making an already competitive offering even sharper. Here is a snapshot of the current rate landscape:
• 3-year fixed rate: From 3.45% for qualifying first-time buyers
• 4-year high-value fixed rate: From around 3.20% for loans of €300,000 or more at lower LTV bands
• Flex variable rate (≤80% LTV): 3.65% (3.74% APRC)
• Flex variable rate (>80% LTV): 3.85% (4.00% APRC)
• One Mortgage (5–30 year fixed): Rates vary by term and LTV.
To put the savings in context: repayments on a €500,000 mortgage with under 60% loan-to-value over 30 years at 3.20% work out at €660 less per year compared to Avant’s previous 4-year fixed rate. Over a decade, that’s meaningful money.

How Does Avant Compare to Other Lenders?

Comparing Avant Money to the main Irish banks in 2026 reveals a mixed but overall positive picture:
• AIB offers green fixed rates from 3.00% for qualifying BER A–B3 homes, making them competitive for energy-efficient properties.
• Haven has a 4-year fixed green rate from 3.20%.
• PTSB has a 4-year fixed green rate from 3.25% on qualifying low-LTV cases.
• Bank of Ireland starts from around 0.05% to 0.35% of the standard rate Eco Saver BER A1 to B3
• Avant Money sits at 3.20%–3.40% on mainstream fixed products, with the Flex variable being Ireland’s lowest for variable-rate borrowers.
On paper, some of the big banks edge out Avant on headline green rates for the most energy-efficient homes. AvantMoney’s strength is the widest range of fixed-term options available in Ireland, a unique 30-year fixed product, and a history of moving faster on approvals than the traditional banks. For the 15-year-plus fixed term in particular, Avant leads the market by a notable margin.

What Makes Avant Money Different?

A few features separate Avant from the crowd:

10% overpayment allowance: Even on fixed-rate products, you can overpay up to 10% of your mortgage balance annually without penalty. On a 20-year €400,000 mortgage, overpaying €35,000 could save you €12,500 in interest or reduce your term by 27 months.
Capped early redemption fee: Ending a fixed-rate mortgage early in Ireland can be costly. Avant limits its early redemption charge to 2% of the remaining balance during the first 10 years, falling to 1.5% thereafter, a level of consumer protection not typically offered by other lenders.
2% cashback in 2026: For new mortgages drawn down before 31 December 2026 on a 3, 4, 5, 7 or 10‑year fixed rate, Avant is offering 2% cashback. On a €400,000 mortgage, which means €8,000 returned.
1% cashback in 2026: Receive 1% cashback when you draw down a new One Mortgage. (Offer excludes 3, 4, 5, 7 and 10‑year fixed rates, the Flex Mortgage, and the 4‑year High Value Mortgage.)  For example, a €400,000 mortgage would return €4,000 cashback within two months of drawdown.

Who Is Avant Money Right For?
Avant Money is a strong fit for borrowers who:
• Want long-term rate certainty, particularly with the One Mortgage product.
• Are comfortable without cashback as their primary motivation.
• Have a clean credit history and can demonstrate genuine savings for a deposit.
• Are buying or living in a non-rural location (though Avant’s geographic coverage has expanded significantly beyond the early days)
It is worth knowing that Avant has a reputation for being selective on credit policy.
You can apply for an Avant Money mortgage either directly through their online Mortgage Hub or via one of their selected mortgage brokers, and crucially, the same rates and products are available either way.
Applying directly suits you if you have already decided Avant is the lender you want and you are happy to manage the process yourself, with support from a resolute member of Avant’s mortgage team along the way. Going through a broker makes more sense if you want someone to compare multiple lenders on your behalf before committing. Either route is valid, or using a broker typically costs you nothing.

The Bottom Line
Avant Money has genuinely shaken up the Irish mortgage market. It is backed by Bankinter’s European capital, free from the legacy costs that weigh down the traditional Irish banks, and focused on product innovation; they have consistently sat at or near the top of rate comparison tables since entering the mortgage space.
If you are a first-time buyer, mover, or switcher in 2026, Avant Money deserves a serious look, particularly if you value long-term certainty, low variable rates, or the flexibility to overpay without penalty. Just make sure you run the numbers across multiple lenders with a broker before committing.

Rates correct as of May 2026. Always verify current rates directly with Avant Money at avantmoney.ie or through a registered mortgage broker before making any decisions. Lending criteria, terms, and conditions apply.