{"id":527832,"date":"2026-06-10T09:52:20","date_gmt":"2026-06-10T09:52:20","guid":{"rendered":"https:\/\/www.europesays.com\/ie\/527832\/"},"modified":"2026-06-10T09:52:20","modified_gmt":"2026-06-10T09:52:20","slug":"is-your-fixed-term-mortgage-ending-this-year-tips-on-getting-lowest-rates-in-ireland-the-irish-times","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ie\/527832\/","title":{"rendered":"Is your fixed-term mortgage ending this year? Tips on getting lowest rates in Ireland \u2013 The Irish Times"},"content":{"rendered":"

Rising property prices<\/a> are doing the heavy lifting for mortgage-holders who want to get their loan-to-value ratio down. <\/p>\n

But as financial planner and managing director of DNG<\/a> Financial Cian Carolan says: \u201cYou can\u2019t go down the shops and buy anything with that equity.\u201d So what it can get you? <\/p>\n

Well if you\u2019re rolling off a fixed-term interest rate this year, it could potentially give you some of the better rates being offered by banks and financial institutions at a volatile time for inflation.<\/p>\n

Economists\u2019 eyes will be focused on Frankfurt this Thursday when European Central Bank<\/a> (ECB) leaders meet to discuss raising interest rates.<\/p>\n

It\u2019s widely expected we will see an increase of 0.25 per cent, bringing the interest rate to 2.25 per cent.<\/p>\n

By the end of the year, it\u2019s anticipated there\u2019ll be at least another rate rise of 0.25 per cent as the ECB tries to keep a lid on inflation.<\/p>\n

Tracker and variable rate mortgage-holders will instantly feel the impact of those hikes, while those who have fixed for a number of years will be insulated for the time being.<\/p>\n

But if you\u2019re coming to the end of a fixed-term cycle in the next year, Carolan says it\u2019s time to get your ducks in a row now so you\u2019re in a position to seize the best rate available to you then.<\/p>\n

An increase in property prices, coupled with your repayments since the last time you fixed, should mean your loan-to-value ratio is now lower. <\/p>\n

This potentially means you can avail of more competitive rates, closer to the 3 per cent mark rather than the hair-raising 4 per cent plus rates being quoted in mid 2026.<\/p>\n

There are other ways to achieve those lower rates. Many lenders are offering what are called \u201cgreen mortgages\u201d. <\/p>\n

Homes with a building energy rating (Ber) of A or B can qualify for green mortgage rates, and in most instances these are the best rates a lender will be offering at any given time.<\/p>\n

In this episode of Better with Money<\/a>, Carolan also explains \u201cbridging finance\u201d, why making your payments fortnightly may save you money in comparison to monthly, and he answers a question about how separating couples can (or cannot) buy each other out of a mortgage they took out together.<\/p>\n

It\u2019s the second part of a longer chat about mortgage strategising; how to pay off your home loan as quickly and painlessly as possible. You can listen to part one here<\/a>.<\/p>\n

These episodes are intended for information purposes only and do not constitute financial advice.<\/p>\n","protected":false},"excerpt":{"rendered":"Rising property prices are doing the heavy lifting for mortgage-holders who want to get their loan-to-value ratio down.…\n","protected":false},"author":2,"featured_media":527833,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[73],"tags":[79,44208,18,9652,8752,19,17,20097,107128,9650,1658],"class_list":["post-527832","post","type-post","status-publish","format-standard","has-post-thumbnail","category-business","tag-business","tag-dng","tag-eire","tag-european-central-bank-ecb","tag-housing-crisis","tag-ie","tag-ireland","tag-mortgage","tag-mortgage-application","tag-mortgages","tag-property"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ie\/116725202767102945","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/527832","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/comments?post=527832"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/527832\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media\/527833"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media?parent=527832"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/categories?post=527832"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/tags?post=527832"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}