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Mortgage switching
Fixed mortgage ending in Ireland: what happens next?
When a fixed mortgage period ends, borrowers should review the rate and options available rather than assuming the existing payment will continue unchanged.
Page checked: 21 October 2026
Check what rate comes next
Your lender should provide information about the rate that will apply and any available options. The exact outcome depends on your mortgage contract and the lender's current products.
Compare before the fixed period ends
Check your remaining balance, LTV, current payment and the rate options available to you. If switching is possible, allow time for the application and legal process.
Stress-test the payment
Use the calculator to compare your current payment with a range of possible rates before the fixed period ends.
Use the calculator to compare your current payment with a range of possible rates before the fixed period ends.
Sources & assumptions
Central Bank mortgage-measure limits and Revenue stamp-duty rules can change. Check the official sources before relying on an estimate.
Central Bank mortgage measures · Central Bank retail interest rates