Irish lenders now offer their lowest fixed rates to homeowners with energy-efficient properties. If your home has a BER of A or B, you could be paying significantly less.
Rates verified from lender websites. Updated May 2026.
| Lender | Product | Rate | BER Required | Notes |
|---|---|---|---|---|
| AIB | GreenA 3-yr fixed, ≤50% LTV | 3.00%Best | A1–A3 only | Strictest BER requirement in the market |
| AIB | GreenA 3-yr fixed, ≤80% LTV | 3.10% | A1–A3 only | |
| Bank of Ireland | 4-yr HVM BER A, any LTV | 3.10% | BER A | Loan ≥€250k. No cashback on HVM rates. |
| AIB | Green 2-yr fixed, ≤50% LTV | 3.15% | A1–B3 | |
| EBS | Green 4-yr fixed | 3.20% | A or B | EBS's standout product |
| Haven | Green 4-yr fixed | 3.20% | A or B | Broker only |
| Avant Money | 4-yr HVM, ≤60% LTV | 3.20% | No BER req. | Loan ≥€300k. No BER needed. |
| AIB | Green 2-yr fixed, ≤80% LTV | 3.25% | A1–B3 | |
| PTSB | Green 5-yr HV, ≤60% LTV | 3.25% | A1–B3 | Loan ≥€250k |
Building Energy Rating (BER) measures a property's energy efficiency on a scale from A1 (most efficient) to G (least efficient). The better your BER, the lower the mortgage rate available to you from most Irish lenders.
Note: Bank of Ireland's HVM rate structure gives incremental discounts for every BER grade from A down to G — so even a BER C or D home gets a better rate than BER Exempt with BOI. Most other lenders set a minimum threshold of BER A or BER B for their green product.
On a €300,000 mortgage over 25 years, the difference between a standard rate of 3.75% and a green rate of 3.00% is approximately €112 per month — or over €33,000 over the life of the mortgage.
If your home qualifies for a green rate and you are not currently on one, switching could be one of the most significant financial decisions you make this year. Speak to a mortgage broker about your options.
Not all lenders define green mortgages the same way. Here is what each currently offers.
If your home does not currently qualify for a green rate, improvements to your property's energy performance can upgrade your BER — and unlock a lower mortgage rate. The SEAI's Home Energy Upgrade scheme provides grants for many of the measures below.
Replacing an oil or gas boiler with a heat pump is one of the most significant BER improvements available. SEAI grants of up to €6,500 apply.
Upgrading to triple-glazed windows and well-insulated doors reduces heat loss significantly and contributes to BER improvement.
Adding attic insulation and cavity or external wall insulation improves thermal performance. SEAI grants are available for most property types.
Solar PV and solar thermal installations contribute to BER improvement. SEAI offers grants of up to €2,400 for solar PV.
Once upgrades are completed, you will need a new BER assessment by a registered SEAI assessor to get an updated certificate. Costs typically range from €150 to €300. You can then bring the certificate to your lender or broker and apply for a green mortgage rate.
Compare all green mortgage rates side by side
View Green Rates →