Mortgage Rates in Ireland 2025: Interest rate comparison

Buying a home in Ireland is one of the biggest financial decisions you will make. With such large sums at stake, choosing the right lender can impact you for decades. That’s why you need a trusted financial partner who helps you navigate risks, spot opportunities, and guide you through the best mortgage rates in Ireland, offering clear interest rate comparisons so you can make the smartest choice for your home.

For a long time, people assumed credit unions were too small for large mortgages. Things have changed, and for the better. Credit unions like Member First Credit Union (MFCU) now offer competitive interest rates and personalised service throughout the loan. Whatever we earn in profit goes back into Irish communities through support for schools, clubs and scholarships. 

The headline rates you see in adverts can look attractive, but they rarely tell the full story. Fees, cashback offers, and the overall cost of borrowing can change the picture. Comparing lenders fairly is the only way to know what you are really getting. 

In this blog, you will see the Mortgage Rates in Ireland 2025, how MFCU compares with the big banks, and why more buyers are choosing a credit union mortgage. 

Current Mortgage Rates in Ireland 2025 (updated 28 September 2025) 

Mortgage rates across Ireland remain competitive in 2025. Most three-year fixed deals fall between 3.75% and 4.3%, depending on the lender and deposit. Below is a national mortgage interest rate comparison, including MFCU: 

Lender	Fixed Rate (3-Year)	APRC	Tenure	Source
Member First Credit Union (MFCU)	3.95%	3.66%	3 Year Fixed Rate for LTV up to 90%	MFCU Mortgage
Avant Money	3.95%	4.05%	3 Year Fixed Rate for LTV between 80% to 90%	Avant Money Mortgage
Bank of Ireland	3.75%	4.1%	3 Year Fixed No BER	Bank of Ireland Mortgage
PTSB	4.20%	4.68%	3 Year Fixed Rate for LTV between 80% to 90%	PTSB Mortgage
AIB	4.30%	N/A	3 Year fixed rate for LTV of more than 80%	AIB Mortgage

The data is sourced directly from the respective brand websites as of 28 September 2025.

MFCU’s mortgage rates in Ireland 2025 sit right alongside the banks. The difference is that we provide community-driven service and reinvest in local people. 

Key Factors Influencing Your Mortgage Rate 

Every lender in Ireland considers the same main things when setting a mortgage rate. At MFCU, we take time to explain these, so you understand how they apply to you.

Lender 

• Banks, credit unions and non-bank lenders all price mortgages differently. 
• Credit unions like MFCU match bank rates and add the benefit of personal service. 

Fixed-term length 

• Shorter fixed terms, such as two or three years, often start lower. 
• Longer terms provide stability but may cost more overall. 

Loan-to-Value (LTV) 

• The bigger your deposit, the smaller your loan compared to the home value. 
• Lower LTVs usually unlock better interest rates. 

Building Energy Rating (BER) 

• Homes with stronger BERs may qualify for discounted green mortgage rates. 
• At MFCU, we encourage members to buy or upgrade to energy-efficient homes. 

Mortgage value 

• Some banks give sharper rates for larger loans. 
• At MFCU, we keep our rates competitive across different loan sizes. 

How to Find Your Best Rate 

Start with MFCU 

• Visit our mortgage rates page or use our mortgage calculator. 
• Drop into our Dublin branches where our advisors can explain your options face to face. 

Check mortgage interest rate comparison sites 

• Tools like Bonkers.ie or Doddl.ie give a quick overview of rates in the market. 
• Use them for context but remember they cannot show the personal service you get locally. 

Look at lender websites 

• Banks such as AIB, BOI, EBS and Avant Money post their latest rates online. 
• MFCU updates our website often, so you always see what applies now. 

Switch if you can 

• Many households save thousands by switching to a lower-rate mortgage. 
• At MFCU, we guide members through switching with clear advice at each step. 

Ask for advice 

• Mortgage brokers compare options across lenders. 
• With MFCU, you get competitive comparisons and the benefit of community focus.

Fixed, Variable and Green Mortgages 

Fixed rate 

• Your repayment stays the same for the length of the fixed term, usually two, three or five years. 
• It makes budgeting easier because you know exactly what you will pay each month. 
• Many first-time buyers prefer fixed rates for the stability they bring. 

Variable rate 

• Your repayment can rise or fall depending on changes in the wider market. 
• Works well for borrowers who want flexibility and can manage some risk. 
• It can save you money when rates drop, but costs more if rates go up. 

Green mortgage 

• Designed for homes with a Building Energy Rating (BER) of B3 or higher. 
• Offers lower interest rates because energy-efficient homes cost less to run. 
• MFCU supports members who want to buy greener homes or improve their current ones. 

Mortgage Rate Trends in Ireland 2025 

• Rates steadying. After recent rises, fixed rates are more stable in 2025. 
• Cashback offers continue. Banks promote cashback, but the APRC is often higher. 
• Green mortgages grow. More Irish households with BER B-rated homes are securing discounted rates. 

We update our rates table monthly. Check the date at the top of this page when you visit to see the latest figures. 

FAQ: Mortgage Rates in Ireland 2025 

What is the average mortgage rate in Ireland in 2025?

Three-year fixed rates typically range from 3.75% to 4.3%.

Who has the best mortgage rates in Ireland 2025?

MFCU offers a 3.95% fixed rate with an APRC of 3.66%, competitive with AIB, BOI and other banks.

Can I switch my mortgage to a credit union in Ireland?

Yes. Many families switch from banks to MFCU and save money. Our advisors guide you step by step.

Do credit unions offer the same mortgages as banks?

Yes. MFCU provides fixed, variable, first-time buyer and switcher mortgages.

Why MFCU is the Smart Choice in 2025 

When you choose MFCU, you get more than a competitive rate. You get: 

• A mortgage rate in Ireland in 2025 that matches the banks  
• Local service from our Dublin branches and member-first advisors 
• Profits reinvested into Irish schools, clubs and community projects

Your mortgage is not just a loan. It is the key to your home, supported by a credit union that puts people first. 

Try our mortgage calculator today and see what you could borrow.