It is worth noting, however, that Avant’s cashback offer excludes this four-year high-value mortgage rate as well as the same lender’s variable rate Flex Mortgage product where the rate is linked to the Euribor. “This does not automatically signal a broader shift across the mortgage market and we do not expect the main retail bank lenders to follow ICS’s move,” he said. “Our lowest mortgage rate across all banks is 3 per cent, our highest is 6.15 per cent,” says Mortgage Navigators’ Barrett. Last year brought more segmentation and splintering to the Irish mortgage market, with new lenders recognising that one size doesn’t fit all. The lender already offers mortgages in Lithuania directly through its app with the loan rate linked to the Euribor rate.

Source: The Irish Times January 14, 2026 15:00 UTC