Mortgage Rates September 2025
At Mortgage123, you get access to market beating mortgage rates starting from 2.98% (T&Cs apply)
| Rate Type | Rate % |
| Variable Rate Standard | 4.15% |
| Flex Variable | 3.18% |
| Fixed Rates | |
| 1 Year Fixed | 3.30% ** |
| 2 Year Fixed | 3.80% |
| 3 Year Fixed | 3.90% |
| 4 Year Fixed | 3.10%** |
| 5 Year Fixed | 3.40%** |
| 7 Year Fixed | 3.45%** |
| 10 Year Fixed | 3.95% |
| Up to 30 Year Fixed | 3.80% |
*Terms & Conditions Apply. These rates are illustrative of 90% Loan to Value, i.e. the mortgage does not exceed 90% of the current value of the property.
**High value mortgage over €250,000
| Rate Type | Rate % |
| Variable Rate Standard | 3.75% |
| Flex Variable | 2.98% |
| Fixed Rates | |
| 1 Year Fixed | 3.30%** |
| 2 Year Fixed | 3.80% |
| 3 Year Fixed | 3.35%(Green) |
| 4 Year Fixed | 3.00% |
| 5 Year Fixed | 3.35%**(Green) |
| 7 Year Fixed | 3.45%** |
| 10 Year Fixed | 3.80% |
| Up to 30 Year Fixed | 3.80% |
*Terms & Conditions Apply. These rates are illustrative of 50-80% Loan to Value, i.e. the mortgage does not exceed 50-80% of the current value of the property.
**High value mortgage over €250,000
What do I need to know?
You will be more likely to enter a good mortgage deal if you understand how mortgage rates work. It is not that hard to get your head around. Furthermore, a mortgage broker will guide you through any options.
What mortgage rates are available?
Fixed Rates
With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time. A fixed rate makes it easier to budget repayments. However, during the fixed rate period, you may face penalties if you want to switch lenders, move to a variable rate or pay off all or part of your mortgage.
Warning: If you do not keep up your repayments you may lose your home.
Warning: You may have to pay charges if you pay off a fixed rate loan early.
Variable Rates
Variable rates offer flexibility. They allow you to pay extra off your mortgage and may, subject to lender approval, extend your mortgage term or top up your mortgage without having to pay any penalties. However, because variable rates can rise and fall, your mortgage repayments can go up or down during the term of your loan.
Warning: If you do not keep up your repayments you may lose your home.
Warning: The cost of your monthly repayments may increase.
Green Mortgage Rates
If you are buying or building a high energy rated home, you can avail of a lower rate of interest. You can choose this rate if you are buying or building a property in which you are going to live once it has a BER rating between A1 and B3. These rates are becoming popular with banks and encourage environmental sustainability. Learn more..
Warning: If you do not keep up your repayments you may lose your home.