The vast majority of mortgages for second and subsequent homebuyers in Ireland in 2023 had a fixed rate. The share of loans with a variable interest rate was approximately **** percent - a substantial decrease from 2017, when about ** percent of new loans had a variable interest rate. Meanwhile, first-time buyers had a slightly higher share of fixed rate mortgages.

The vast majority of mortgages for first-time homebuyers in Ireland in 2023 had a fixed rate. The share of loans with a variable interest rate was approximately **** percent in that year - a substantial decrease from 2017, when about *** in ***** loans had a variable interest rate. Meanwhile, second and subsequent borrowers had a slightly lower share of fixed interest rate mortgages.

Bank deposit interest rate, percent in Ireland, September, 2025 The most recent value is 2.47 percent as of September 2025, a decline compared to the previous value of 2.49 percent. Historically, the average for Ireland from July 2017 to September 2025 is 0.7 percent. The minimum of 0.02 percent was recorded in October 2019, while the maximum of 2.62 percent was reached in November 2024. | TheGlobalEconomy.com

Ireland IE: Deposit Rate: Corporations: New Business: Up to 1 Year data was reported at 0.010 % pa in Jul 2018. This records an increase from the previous number of -0.020 % pa for Jun 2018. Ireland IE: Deposit Rate: Corporations: New Business: Up to 1 Year data is updated monthly, averaging 0.010 % pa from Jul 2017 (Median) to Jul 2018, with 13 observations. The data reached an all-time high of 0.020 % pa in Dec 2017 and a record low of -0.020 % pa in Jun 2018. Ireland IE: Deposit Rate: Corporations: New Business: Up to 1 Year data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Ireland – Table IE.IMF.IFS: Lending, Saving and Deposit Rates.

In June 2024, the European Central Bank (ECB) began reducing its fixed interest rate for the first time since 2016, implementing a series of cuts. The rate decreased from 4.5 percent to 3.15 percent by year-end: a 0.25 percentage point cut in June, followed by additional reductions in September, October, and December. The central bank implemented other cuts in the first half of 2025, setting the rate at 2.15 percent in June 2025. This marked a significant shift from the previous rate hike cycle, which began in July 2022 when the ECB raised rates to 0.5 percent and subsequently increased them almost monthly, reaching 4.5 percent by December 2023 - the highest level since the 2007-2008 global financial crisis. How does this ensure liquidity? Banks typically hold only a fraction of their capital in cash, measured by metrics like the Tier 1 capital ratio. Since this ratio is low, banks prefer to allocate most of their capital to revenue-generating loans. When their cash reserves fall too low, banks borrow from the ECB to cover short-term liquidity needs. On the other hand, commercial banks can also deposit excess funds with the ECB at a lower interest rate. Reasons for fluctuations
The ECB’s primary mandate is to maintain price stability. The Euro area inflation rate is, in theory, the key indicator guiding the ECB's actions. When the fixed interest rate is lower, commercial banks are more likely to borrow from the ECB, increasing the money supply and, in turn, driving inflation higher. When inflation rises, the ECB increases the fixed interest rate, which slows borrowing and helps to reduce inflation.

Ireland IE: Deposit Rate: Households: Stocks: Up to 2 Years data was reported at 0.448 % pa in 2017. This records a decrease from the previous number of 0.681 % pa for 2016. Ireland IE: Deposit Rate: Households: Stocks: Up to 2 Years data is updated yearly, averaging 2.641 % pa from Dec 2003 (Median) to 2017, with 15 observations. The data reached an all-time high of 4.482 % pa in 2008 and a record low of 0.448 % pa in 2017. Ireland IE: Deposit Rate: Households: Stocks: Up to 2 Years data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Ireland – Table IE.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

Ireland IE: Deposit Rate: Corporations: Stocks: Up to 2 Years data was reported at 0.076 % pa in 2017. This records a decrease from the previous number of 0.203 % pa for 2016. Ireland IE: Deposit Rate: Corporations: Stocks: Up to 2 Years data is updated yearly, averaging 2.098 % pa from Dec 2003 (Median) to 2017, with 15 observations. The data reached an all-time high of 4.468 % pa in 2008 and a record low of 0.076 % pa in 2017. Ireland IE: Deposit Rate: Corporations: Stocks: Up to 2 Years data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Ireland – Table IE.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

IE: Lending Rate: Households: Stocks: Up to 1 Year data was reported at 14.170 % pa in 2017. This records an increase from the previous number of 9.547 % pa for 2016. IE: Lending Rate: Households: Stocks: Up to 1 Year data is updated yearly, averaging 8.387 % pa from Dec 2003 (Median) to 2017, with 15 observations. The data reached an all-time high of 14.170 % pa in 2017 and a record low of 7.148 % pa in 2014. IE: Lending Rate: Households: Stocks: Up to 1 Year data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Ireland – Table IE.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

Bank deposit interest rate, percent in Irlande, septembre, 2025 Pour cet indicateur, Central Bank of Ireland fournit des données pour la Irlande de juillet 2017 à septembre 2025. La valeur moyenne pour Irlande pendant cette période était de 0.7 pour cent avec un minimum de 0.02 pour cent en octobre 2019 et un maximum de 2.62 pour cent en novembre 2024. | TheGlobalEconomy.com

This statistic shows the results of a survey conducted by Cint on the distribution of hobbies and interests of people in Ireland in 2017 and 2018. In 2017, **** percent of respondents stated cooking as their interest/hobby.

Ireland IE: Deposit Rate: Corporations: New Business: Up to 1 Year data was reported at -0.013 % pa in Jun 2018. This records a decrease from the previous number of 0.003 % pa for Mar 2018. Ireland IE: Deposit Rate: Corporations: New Business: Up to 1 Year data is updated quarterly, averaging 0.007 % pa from Sep 2017 (Median) to Jun 2018, with 4 observations. The data reached an all-time high of 0.013 % pa in Dec 2017 and a record low of -0.013 % pa in Jun 2018. Ireland IE: Deposit Rate: Corporations: New Business: Up to 1 Year data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Ireland – Table IE.IMF.IFS: Lending, Saving and Deposit Rates: Quarterly.

IE: Lending Rate: Corporations: Stocks: Up to 1 Year data was reported at 4.083 % pa in 2017. This records an increase from the previous number of 3.479 % pa for 2016. IE: Lending Rate: Corporations: Stocks: Up to 1 Year data is updated yearly, averaging 3.813 % pa from Dec 2003 (Median) to 2017, with 15 observations. The data reached an all-time high of 6.687 % pa in 2008 and a record low of 3.171 % pa in 2010. IE: Lending Rate: Corporations: Stocks: Up to 1 Year data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Ireland – Table IE.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

Ireland IE: Lending Rate: Households: House Purchase: New Business data was reported at 3.330 % pa in Jul 2018. This records a decrease from the previous number of 3.340 % pa for Jun 2018. Ireland IE: Lending Rate: Households: House Purchase: New Business data is updated monthly, averaging 3.420 % pa from Jul 2017 (Median) to Jul 2018, with 13 observations. The data reached an all-time high of 3.890 % pa in Jul 2017 and a record low of 3.270 % pa in Apr 2018. Ireland IE: Lending Rate: Households: House Purchase: New Business data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Ireland – Table IE.IMF.IFS: Lending, Saving and Deposit Rates.

Ireland IE: Lending Rate: Households: New Business: Floating and Up to 1 Year data was reported at 8.218 % pa in 2017. This records a decrease from the previous number of 8.895 % pa for 2016. Ireland IE: Lending Rate: Households: New Business: Floating and Up to 1 Year data is updated yearly, averaging 6.112 % pa from Dec 2003 (Median) to 2017, with 15 observations. The data reached an all-time high of 9.037 % pa in 2015 and a record low of 4.275 % pa in 2009. Ireland IE: Lending Rate: Households: New Business: Floating and Up to 1 Year data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Ireland – Table IE.IMF.IFS: Lending, Saving and Deposit Rates: Annual.