Track ECB base rate decisions and average Irish mortgage rates across fixed and variable products — the key drivers of affordability, demand, and investment returns in the Irish property market.
Source: BPFI / lender rate surveys
Indicative trend only. Live data from BPFI / lender rate surveys being integrated.
The 3-year fixed rate at 75% LTV sits between the short-term 2-year product and longer-term 5-year options. Historically Irish lenders have offered competitive pricing at this tenor, making it a popular choice for investors seeking rate certainty over a medium-term hold without committing to a long fixed period.
Comparing 2-year and 3-year fixed rates reveals the shape of the mortgage rate curve. A flat or inverted curve — where 3-year rates are similar to or lower than 2-year rates — suggests lenders and markets expect rates to fall, giving investors an opportunity to lock in longer certainty at little premium.