Mortgage Cashback & Green Rates — Ireland 2026

Repayments depend on loan amount, term, and interest rate. Cashback is a separate one-off cash flow. For accurate comparison, model the repayment from the rate and add cashback as a separate decision input.

Example: A 4.0% rate with 2% cashback vs a 3.7% rate with no cashback. The lower rate saves ~€55/month. Over 5 years, that's ~€3,300 saved — less than the €6,000 cashback on the higher rate. The higher rate + cashback wins — but only if you don't refinance before the cashback is effectively earned back.

Green mortgage rates typically offer a 0.2%–0.5% discount for properties with BER A3 or better. Before relying on a green rate:

• Check if your property's BER qualifies (A3 minimum is most common)
• Confirm the discount lasts for the full fixed term or only the first year
• Compare the green rate against the best non-green rate from another lender

Use the Mortgage Calculator to compare a green rate scenario vs a standard rate scenario.

1. Model monthly repayment and total interest for each rate using the Mortgage Calculator.
2. Add cashback as a one-off cash inflow to the higher-rate scenario.
3. Compare net position over the fixed-term period (usually 2–5 years).
4. Include stress test — what happens if rates rise when the fixed term ends?
5. Consider break fees if you may switch or sell before the fixed term ends.