Photo: Mark CondrenMore competition is expected in the home-loans market this year, but mortgage rates are expected to remain stable. Lenders are expected to make selective adjustments to mortgage rates rather than engaging in major price cuts, according to Martina Hennessy, of digital mortgage broker Doddl.ie. She said 2025 was a year of rate cuts, with the lowest rate on the market now sitting at 3pc. Fixed rates remain lower than variable rates and continue to be the preferred product for new mortgage lending. Competition is expected to ­increase this year, with the entry of Revolut to the mortgage market.

Source: Irish Independent January 03, 2026 08:32 UTC