Nobody is disputing the fact that rates offered on
new home loans in Ireland (excluding renegotiations) are significantly higher than the Eurozone average (3.18% versus 1.8%).
https://www.centralbank.ie/docs/def..._retail_interest_rate_statistics.pdf?sfvrsn=4
This statistic exaggerates the differential somewhat as loan arrangement fees (often 1-2% of the sum advanced) are the norm in most Eurozone States, whereas cash backs are commonplace here.
In any event, average rates on
all outstanding variable rate mortgages in Ireland are pretty much bang in line with the comparable Eurozone figure, which means your thread title is misleading.