All good things come to an end, however, and if you’re coming to the end of a fix, it’s time to act again. Right now, the lowest mortgage rates begin with “3”. Borrowers coming off a fixed-rate will automatically roll on to their bank’s variable rate which is always much higher. This will show you how much you could expect to save by opting for their various fixed or variable rates. If you haven’t yet got your deeds and drawn down the mortgage, rates could go up and you could end up on a higher rate, he says.

Source: The Irish Times April 03, 2026 10:16 UTC