Irish Mortgage
Market
Quarterly drawdowns and monthly approvals from the Banking & Payments Federation Ireland (BPFI), 2010–2025.
Annual Mortgage Drawdowns by Buyer Type
Mortgage lending volumes aggregated by calendar year, segmented by buyer category. Data sourced from BPFI quarterly drawdown reports.
First-Time Buyer Average Loan Size
Quarterly average loan size for first-time buyers, illustrating the steady upward trajectory in borrowing since 2015 driven by rising house prices.
Monthly Mortgage Approvals (2024–2025)
Mortgage approvals are a leading indicator for future drawdowns. Data covers available monthly BPFI approval figures across 2024–2025.
Interest Rate Environment
Bank Mortgage Rate Comparison
Indicative fixed and variable rates from major Irish lenders (Jan 2026). Rates vary by LTV, loan size and borrower type. Always get a personalised quote.
Compare current rates on the CCPC website →
| Lender | 1-Yr Fixed | 2-Yr Fixed | 3-Yr Fixed | 5-Yr Fixed | 10-Yr Fixed | Variable | Best LTV |
|---|---|---|---|---|---|---|---|
| AIB | — | 3.45% | 3.45% | 3.55% | 4.00% | 3.95% | ≤60% |
| AIB Green (BER A/B) | — | 3.25% | 3.25% | 3.35% | 3.75% | — | ≤80% |
| Bank of Ireland | — | 3.55% | 3.55% | 3.65% | 4.15% | 4.15% | ≤60% |
| Bank of Ireland Green (BER A/B) | — | 3.30% | 3.30% | 3.40% | 3.90% | — | ≤80% |
| PTSB | — | 3.60% | 3.60% | 3.70% | 4.20% | 4.35% | ≤60% |
| Haven (AIB Group) | 3.40% | 3.40% | 3.40% | 3.50% | 3.95% | 4.00% | ≤60% |
| ICS Mortgages | 3.60% | 3.55% | 3.55% | 3.65% | — | 4.50% | ≤60% |
| Finance Ireland | 3.65% | 3.60% | 3.65% | 3.75% | — | 4.55% | ≤60% |
Rates are indicative only, sourced from lender websites (Jan 2026). Subject to change. Not financial advice — get independent mortgage advice before applying.
| Year | Quarter | FTB Loans | Mover Loans | Total | FTB% | Total Value (€m) | Avg FTB Loan |
|---|
Data sourced from the Banking & Payments Federation Ireland (BPFI) quarterly mortgage drawdown reports and monthly approvals data. All figures represent residential mortgages in the Republic of Ireland. RIL = Residential Investment Landlord. Some monthly approval figures may not be available for all periods.