Avant Money has shaken up the Irish mortgage market since entering in 2021 — and for good reason. They consistently offer the lowest fixed rates available in Ireland, often beating the established banks by a significant margin. If you are buying or switching in 2026, understanding what Avant Money offers and whether you qualify is worth your time.
Disclaimer: This article is for information purposes only and does not constitute financial advice.
Who Is Avant Money?
Avant Money is a Spanish-owned consumer finance company that entered the Irish mortgage market in August 2021. They operate as a fully digital lender — there are no branches — and all mortgage applications must go through a registered mortgage broker. You cannot apply to Avant Money directly.
Despite being a relatively new player, Avant Money has become one of Ireland’s most-discussed mortgage lenders because of their consistently low fixed rates and straightforward product range.
Avant Money Mortgage Rates 2026
Avant Money is known for offering some of the most competitive fixed rates in Ireland. Their rates are LTV-tiered, meaning borrowers with a larger deposit get a lower rate.
| LTV Band | Fixed Rate |
|---|---|
| Up to 60% LTV | From 3.10% |
| 60–80% LTV | From 3.20% |
| 80–90% LTV | From 3.35% |
Rates are indicative and subject to change — always confirm directly with a broker.
Avant Money does not offer variable rate mortgages. All products are fixed-rate for terms of 2, 3, 4, 5, 7, or 10 years. When your fixed term ends you will need to review your options — either fix again with Avant, or switch to another lender.
If your property has a BER rating of B3 or higher, Avant Money offers a green mortgage rate that can be 0.10–0.20% below their standard fixed rate. New builds almost always meet this threshold.
Who Can Apply?
Avant Money lends to:
- First-time buyers (FTBs)
- Movers (trading up or down)
- Switchers (moving your existing mortgage from another lender)
- Investors (buy-to-let, subject to separate criteria)
Avant Money does not offer self-build mortgages, local authority loans, or non-standard construction mortgages. Both PAYE and self-employed borrowers can apply, though self-employed applicants will need two years of certified accounts.
Eligibility Requirements
To qualify for an Avant Money mortgage in 2026:
- Age: Minimum 18; mortgage must be repaid before age 70 (some flexibility to 75)
- Residency: Must be resident in the Republic of Ireland
- Minimum loan: €100,000
- Deposit: 10% for FTBs (90% LTV max); 20% for second-time buyers (80% LTV max)
- Income limit: 4x gross income for FTBs; 3.5x for second-time buyers (Central Bank rules)
- Property: Must be in the Republic of Ireland; standard construction only
Documents You Will Need
- 6 months of payslips (PAYE) or 2 years certified accounts (self-employed)
- 6 months of bank statements — all accounts you hold
- Photo ID — passport or driving licence
- Proof of address — utility bill or bank statement (last 3 months)
- Details of any existing loans or credit commitments
- Evidence of deposit — savings statements or gift letter if applicable
How to Apply
Because Avant Money only accepts applications through brokers, the process is:
- Find a registered broker — most Irish mortgage brokers are registered with Avant. Ask yours if they work with them.
- Get Approval in Principle (AIP) — your broker submits your application. Avant typically issues AIP within 3–5 working days.
- Find your property and submit full application — once you have an offer accepted, your broker submits the full mortgage application.
- Property valuation — Avant appoints a valuer from their panel (fee usually 150–200 euro).
- Formal Letter of Offer — issued once underwriting is complete.
- Drawdown — funds released on closing day.
Avant Money vs. Other Irish Lenders
| Lender | Lowest Fixed Rate |
|---|---|
| Avant Money | From 3.10% |
| Haven | From 3.15% |
| AIB | From 3.25% |
| EBS | From 3.30% |
| Bank of Ireland | From 3.40% |
| PTSB | From 3.45% |
On a 300,000 euro mortgage over 30 years, the difference between 3.10% (Avant) and 3.45% (PTSB) is approximately 60 euro per month — or over 21,000 euro over the full term.
The trade-off: Avant has no branches and no direct customer contact. If you prefer face-to-face service or have a complex financial situation, a branch-based lender may suit you better.
Is Avant Money Safe and Regulated?
Yes. Avant Money is regulated by the Central Bank of Ireland and operates under the same regulatory framework as all other Irish mortgage lenders. Your mortgage is governed by Irish consumer credit law and the Consumer Protection Code.
Frequently Asked Questions
Can I apply directly to Avant Money without a broker? No. Avant Money only accepts applications through registered brokers. This is by design — they operate without branch costs and pass savings on as lower rates.
Does Avant Money offer tracker mortgages? No. Avant Money only offers fixed-rate products. Tracker mortgages are no longer available from any Irish lender to new customers.
Can I overpay my Avant Money mortgage? Some overpayment is permitted, but restrictions apply during fixed-rate periods. Excessive overpayment during a fixed term can trigger a breakage fee — check your specific product terms.
What happens when my fixed rate ends? Avant Money will write to you before your fixed term expires with renewal options. Review your options at least 3 months before the end of your fixed period — do not let it roll onto the revert rate without reviewing alternatives.
Is Avant Money available for buy-to-let? Yes — Avant Money does offer buy-to-let mortgages, subject to separate eligibility criteria and rates. Speak to your broker for the current BTL rate card.
Ready to See What Avant Money Could Offer You?
Use our free mortgage calculator to see how Avant Money’s rates compare on your specific borrowing amount and term.
This article is for information purposes only and does not constitute financial or mortgage advice. Mortgage Bible is not regulated by the Central Bank of Ireland. Always speak to a qualified mortgage broker or lender before making any financial decision.
