Disclaimer

Not financial advice

MortgageWatch.ie is an independent comparison website. Nothing on this site constitutes financial advice, mortgage advice, or a recommendation to apply for any particular mortgage product. All information is provided for general informational and comparison purposes only.

Before making any mortgage decision you should seek independent advice from a qualified mortgage broker or financial adviser who is regulated by the Central Bank of Ireland and who can assess your individual circumstances.

Accuracy of rates

We take care to ensure that the mortgage rates displayed on MortgageWatch.ie are accurate and up to date. Rates are aggregated directly from lender websites and are checked regularly. However:

• Rates can change without notice. A rate shown on this site may no longer be current by the time you read it.
• The rates shown are indicative. Your actual rate will depend on your personal circumstances, credit history, loan amount, property value, and the lender's own criteria at the time of application.
• Some products carry conditions — minimum loan amounts, BER requirements, LTV limits — that may affect whether you qualify. Always check the full terms directly with the lender.

MortgageWatch.ie accepts no liability for any loss or damage arising from reliance on rates or information displayed on this site.

No lender affiliation

MortgageWatch.ie is not affiliated with, endorsed by, or connected to any of the lenders listed on this site. No lender pays to be featured, and no rate is promoted over another for commercial reasons. All lenders are included on the same basis.

External links

This site contains links to lender websites. MortgageWatch.ie has no control over the content of those sites and is not responsible for their accuracy or availability. Links are provided for convenience only.

APRC and cost calculations

Annual Percentage Rate of Charge (APRC) figures are taken directly from lender-published data where available. Where APRC is not published by the lender, figures shown are estimates based on standard assumptions. Estimated monthly repayment figures shown on this site are illustrative only, calculated using standard annuity formulas, and do not account for fees, charges, or rate changes over the mortgage term.

Central Bank warnings

As required under Irish mortgage regulations:

• 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.
• Warning: Your interest rate may increase and the amount of your mortgage repayments may increase as a result.
• Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.

Contact

If you notice an error in any rate or information displayed on this site, please contact us at hello@mortgagewatch.ie and we will investigate promptly.