Compare home mover mortgages in Ireland

If you’re moving to a new property our mortgage comparison can help you find the best rates. Compare home mover mortgages from Ireland’s top lenders.

You have a 57.1% loan to value (LTV)
We found 86 results for you
Sorted by monthly payment
Green 3 Year Fixed
3.1%
3 Year Fixed rate
80.0%
Max LTV
A
BER Rating
€1,119.23
Monthly payment
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Green 2 Year Fixed
3.25%
2 Year Fixed rate
80.0%
Max LTV
A1–B3
BER Rating
€1,134.39
Monthly payment
Green 5 Year Fixed
3.3%
5 Year Fixed rate
80.0%
Max LTV
A1–B3
BER Rating
€1,139.47
Monthly payment
One Mortgage - up to 20 Years Fixed
3.4%
20 Year Fixed rate
60.0%
Max LTV
€1,149.67
Monthly payment
4 Year Fixed
3.4%
4 Year Fixed rate
60.0%
Max LTV
€1,149.67
Monthly payment
Green 4 Year Fixed Rate
3.45%
4 Year Fixed rate
90.0%
Max LTV
A1–B3
BER Rating
€1,154.79
Monthly payment
Green 4 Year Fixed
3.55%
4 Year Fixed rate
90.0%
Max LTV
A1–B3
BER Rating
€1,165.06
Monthly payment
3 Year Fixed
3.6%
3 Year Fixed rate
60.0%
Max LTV
€1,170.22
Monthly payment
Green 3 Year Fixed
3.6%
3 Year Fixed rate
60.0%
Max LTV
A1–B3
BER Rating
€1,170.22
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31st March 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. T&Cs apply.
4 Year Fixed
3.65%
4 Year Fixed rate
60.0%
Max LTV
€1,175.39
Monthly payment
3 Year Fixed
3.7%
3 Year Fixed rate
60.0%
Max LTV
€1,180.58
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31st March 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. T&Cs apply.
5 Year Fixed
3.8%
5 Year Fixed rate
60.0%
Max LTV
€1,190.99
Monthly payment
7 Year Fixed
3.8%
7 Year Fixed rate
60.0%
Max LTV
€1,190.99
Monthly payment
10 Year Fixed
3.8%
10 Year Fixed rate
60.0%
Max LTV
€1,190.99
Monthly payment
5 Year Fixed
3.8%
5 Year Fixed rate
60.0%
Max LTV
€1,190.99
Monthly payment
€1500 cashbacki
Receive €1,500 cashback to help towards the cost of obtaining your mortgage. By availing of a mortgage with MoCo, you will receive cash of €1,500, paid to you in the month following your first monthly instalment. This is a benefit to you as a MoCo customer and is not required to be repaid. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER A
3.8%
2 Year Fixed rate
90.0%
Max LTV
A
BER Rating
€1,190.99
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed
3.85%
3 Year Fixed rate
60.0%
Max LTV
€1,196.21
Monthly payment
€1500 cashbacki
Receive €1,500 cashback to help towards the cost of obtaining your mortgage. By availing of a mortgage with MoCo, you will receive cash of €1,500, paid to you in the month following your first monthly instalment. This is a benefit to you as a MoCo customer and is not required to be repaid. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER B
3.85%
2 Year Fixed rate
90.0%
Max LTV
B
BER Rating
€1,196.21
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER A
3.9%
5 Year Fixed rate
90.0%
Max LTV
A
BER Rating
€1,201.45
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER C
3.9%
2 Year Fixed rate
90.0%
Max LTV
C
BER Rating
€1,201.45
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER A
3.9%
3 Year Fixed rate
90.0%
Max LTV
A
BER Rating
€1,201.45
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
Variable
3.95%
Variable rate
80.0%
Max LTV
€1,206.70
Monthly payment
Variable
3.95%
Variable rate
80.0%
Max LTV
€1,206.70
Monthly payment
Variable
3.95%
Variable rate
80.0%
Max LTV
€1,206.70
Monthly payment
5 Year Fixed - EcoSaver Mortgage - BER B
3.95%
5 Year Fixed rate
90.0%
Max LTV
B
BER Rating
€1,206.70
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER D
3.95%
2 Year Fixed rate
90.0%
Max LTV
D
BER Rating
€1,206.70
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER B
3.95%
3 Year Fixed rate
90.0%
Max LTV
B
BER Rating
€1,206.70
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER C
4.0%
5 Year Fixed rate
90.0%
Max LTV
C
BER Rating
€1,211.96
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER C
4.0%
3 Year Fixed rate
90.0%
Max LTV
C
BER Rating
€1,211.96
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER E
4.0%
2 Year Fixed rate
90.0%
Max LTV
E
BER Rating
€1,211.96
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER D
4.05%
3 Year Fixed rate
90.0%
Max LTV
D
BER Rating
€1,217.24
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER F
4.05%
2 Year Fixed rate
90.0%
Max LTV
F
BER Rating
€1,217.24
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER D
4.05%
5 Year Fixed rate
90.0%
Max LTV
D
BER Rating
€1,217.24
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER E
4.1%
5 Year Fixed rate
90.0%
Max LTV
E
BER Rating
€1,222.53
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER E
4.1%
3 Year Fixed rate
90.0%
Max LTV
E
BER Rating
€1,222.53
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed - EcoSaver Mortgage - BER G
4.1%
2 Year Fixed rate
90.0%
Max LTV
G
BER Rating
€1,222.53
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
Variable
4.15%
Variable rate
90.0%
Max LTV
€1,227.83
Monthly payment
2 Year Fixed - EcoSaver Mortgage - BER Exempt
4.15%
2 Year Fixed rate
90.0%
Max LTV
Exempt
BER Rating
€1,227.83
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER F
4.15%
5 Year Fixed rate
90.0%
Max LTV
F
BER Rating
€1,227.83
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER F
4.15%
3 Year Fixed rate
90.0%
Max LTV
F
BER Rating
€1,227.83
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
Green 5 Year Fixed
4.15%
5 Year Fixed rate
60.0%
Max LTV
A1–B3
BER Rating
€1,227.83
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31st March 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. T&Cs apply.
3 Year Fixed - EcoSaver Mortgage - BER G
4.2%
3 Year Fixed rate
90.0%
Max LTV
G
BER Rating
€1,233.14
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER G
4.2%
5 Year Fixed rate
90.0%
Max LTV
G
BER Rating
€1,233.14
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
10 Year Fixed - EcoSaver Mortgage - BER A
4.2%
10 Year Fixed rate
90.0%
Max LTV
A
BER Rating
€1,233.14
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
5 Year Fixed - EcoSaver Mortgage - BER Exempt
4.25%
5 Year Fixed rate
90.0%
Max LTV
Exempt
BER Rating
€1,238.47
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
3 Year Fixed - EcoSaver Mortgage - BER Exempt
4.25%
3 Year Fixed rate
90.0%
Max LTV
Exempt
BER Rating
€1,238.47
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
10 Year Fixed - EcoSaver Mortgage - BER B
4.25%
10 Year Fixed rate
90.0%
Max LTV
B
BER Rating
€1,238.47
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
10 Year Fixed - EcoSaver Mortgage - BER C
4.3%
10 Year Fixed rate
90.0%
Max LTV
C
BER Rating
€1,243.81
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
10 Year Fixed - EcoSaver Mortgage - BER D
4.35%
10 Year Fixed rate
90.0%
Max LTV
D
BER Rating
€1,249.16
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
10 Year Fixed - EcoSaver Mortgage - BER E
4.4%
10 Year Fixed rate
90.0%
Max LTV
E
BER Rating
€1,254.53
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
Variable
4.4%
Variable rate
60.0%
Max LTV
€1,254.53
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31st March 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. T&Cs apply.
10 Year Fixed - EcoSaver Mortgage - BER F
4.45%
10 Year Fixed rate
90.0%
Max LTV
F
BER Rating
€1,259.91
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed
4.5%
2 Year Fixed rate
60.0%
Max LTV
€1,265.30
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31st March 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. T&Cs apply.
5 Year Fixed
4.5%
5 Year Fixed rate
60.0%
Max LTV
€1,265.30
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31st March 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. T&Cs apply.
10 Year Fixed - EcoSaver Mortgage - BER G
4.5%
10 Year Fixed rate
90.0%
Max LTV
G
BER Rating
€1,265.30
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
7 Year Fixed
4.5%
7 Year Fixed rate
60.0%
Max LTV
€1,265.30
Monthly payment
Up to 2% Cashbacki
Get 2% of the value of your mortgage back in cash. Cashback paid within 40 working days of mortgage drawdown. Offer available on both variable and fixed rate mortgages. Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31st March 2025. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2030, when you pay from an Explore Account. T&Cs apply.
Núa 5yr Fixed
4.5%
5 Year Fixed rate
60.0%
Max LTV
€1,265.30
Monthly payment
5 Year Fixed
4.5%
5 Year Fixed rate
60.0%
Max LTV
€1,265.30
Monthly payment
3 Year Fixed
4.5%
3 Year Fixed rate
60.0%
Max LTV
€1,265.30
Monthly payment
1 Year Fixed
4.55%
1 Year Fixed rate
80.0%
Max LTV
€1,270.70
Monthly payment
1 Year Fixed
4.55%
1 Year Fixed rate
90.0%
Max LTV
€1,270.70
Monthly payment
1 Year Fixed
4.55%
1 Year Fixed rate
90.0%
Max LTV
€1,270.70
Monthly payment
10 Year Fixed - EcoSaver Mortgage - BER Exempt
4.55%
10 Year Fixed rate
90.0%
Max LTV
Exempt
BER Rating
€1,270.70
Monthly payment
Up to 3% Cashbacki
Up to 3% Cashback is available to First Time Buyers, Movers and Switchers who draw down a new mortgage by 31 December 2025. 2% Cashback draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for Buy to Let Investment or Equity Release mortgages. Cashback is not available on High Value Mortgage fixed interest rates. T&C's apply.
2 Year Fixed
4.6%
2 Year Fixed rate
80.0%
Max LTV
€1,276.12
Monthly payment
Núa 3yr Fixed
4.6%
3 Year Fixed rate
60.0%
Max LTV
€1,276.12
Monthly payment
2 Year Fixed
4.65%
2 Year Fixed rate
90.0%
Max LTV
€1,281.55
Monthly payment
3 Year Fixed
4.7%
3 Year Fixed rate
80.0%
Max LTV
€1,286.99
Monthly payment
4 Year Fixed
4.75%
4 Year Fixed rate
80.0%
Max LTV
€1,292.45
Monthly payment
3 Year Fixed
4.75%
3 Year Fixed rate
90.0%
Max LTV
€1,292.45
Monthly payment
5 Year Fixed
4.8%
5 Year Fixed rate
80.0%
Max LTV
€1,297.91
Monthly payment
5 Year Fixed
4.85%
5 Year Fixed rate
90.0%
Max LTV
€1,303.40
Monthly payment
2 Year Fixed
4.9%
2 Year Fixed rate
90.0%
Max LTV
€1,308.89
Monthly payment
Up to 3% Cashbacki
EBS is offering home buyers up to 3% Back in Cash. Get 2% upfront and 1% in 5 years (subject to meeting the terms of the mortgage) of the value of your new mortgage if you are a first time buyer, mover, or switching your mortgage to EBS when you take out a mortgage loan before 31 December 2025. T&Cs apply.
3 Year Fixed
5.0%
3 Year Fixed rate
90.0%
Max LTV
€1,319.91
Monthly payment
Up to 3% Cashbacki
EBS is offering home buyers up to 3% Back in Cash. Get 2% upfront and 1% in 5 years (subject to meeting the terms of the mortgage) of the value of your new mortgage if you are a first time buyer, mover, or switching your mortgage to EBS when you take out a mortgage loan before 31 December 2025. T&Cs apply.
7 Year Fixed
5.05%
7 Year Fixed rate
80.0%
Max LTV
€1,325.44
Monthly payment
7 Year Fixed
5.05%
7 Year Fixed rate
90.0%
Max LTV
€1,325.44
Monthly payment
5 Year Fixed
5.1%
5 Year Fixed rate
90.0%
Max LTV
€1,330.98
Monthly payment
Up to 3% Cashbacki
EBS is offering home buyers up to 3% Back in Cash. Get 2% upfront and 1% in 5 years (subject to meeting the terms of the mortgage) of the value of your new mortgage if you are a first time buyer, mover, or switching your mortgage to EBS when you take out a mortgage loan before 31 December 2025. T&Cs apply.
10 Year Fixed
5.15%
10 Year Fixed rate
90.0%
Max LTV
€1,336.54
Monthly payment
10 Year Fixed
5.2%
10 Year Fixed rate
80.0%
Max LTV
€1,342.11
Monthly payment
Progress 7 Year Fixed
5.35%
7 Year Fixed rate
60.0%
Max LTV
€1,358.89
Monthly payment
Variable
5.49%
Variable rate
60.0%
Max LTV
€1,374.65
Monthly payment
Progress 5 Year Fixed
5.55%
5 Year Fixed rate
60.0%
Max LTV
€1,381.43
Monthly payment
Progress 3 Year Fixed
5.75%
3 Year Fixed rate
60.0%
Max LTV
€1,404.17
Monthly payment
Progress Variable
6.2%
Variable rate
60.0%
Max LTV
€1,456.03
Monthly payment
Progress Plus Variable
6.5%
Variable rate
60.0%
Max LTV
€1,491.15
Monthly payment
Progress Plus 5 Year Fixed
6.6%
5 Year Fixed rate
60.0%
Max LTV
€1,502.94
Monthly payment
Progress Plus 3 Year Fixed
6.7%
3 Year Fixed rate
60.0%
Max LTV
€1,514.79
Monthly payment
* Indicative APRC (Annual Percentage Rate of Charge): calculations are based on a typical mortgage of €100,000 over a 20 year term.
Latest House price data

Ireland’s average house price in the 12 months to September 2024 was €346,000.

The Residential Property Price Index (RPPI) shows house prices have increased by 10.0% over the last 12 months. House prices in Dublin increased by 10.8%; elsewhere in Ireland, prices rose by 9.4%.

The cheapest place to buy a house is Longford, with a median price of €175,000, while the most expensive place is Dún Laoghaire-Rathdown at €637,500.

Source: Residential Property Price Index, CSO


What is a home mover mortgage?

Home mover mortgages are designed for people moving from one property to another.

Whether you’re upsizing due to additional family members or downsizing when your children leave home, moving to a new county or to the next street - a home mover mortgage will meet your needs.

When moving home, you can switch or move your mortgage with your current lender, or to a new mortgage provider completely.

There are two options available when you’re moving home:

  1. Mortgage porting: If your mortgage is portable, you can transfer it to your new property in a process known as porting. You can apply to ‘top up’ if you need to borrow more or redeem part of your mortgage if needing less.
  2. Home mover mortgage: This is a new mortgage with the same or a different lender. Switching to a new mortgage could work for you if you’re buying a more expensive property or better rates are on offer. Property valuation fees and solicitor fees may apply.

What second-time buyers need to know

You need to know several lending rules and processes before switching your mortgage, and applying for a home mover deal.

Loan to value (LTV) limit

Home movers and second-time buyers require a 10% deposit.

The maximum LTV is 90% which is the percentage of the property’s value you can borrow, although lenders may go above this limit in some instances.

Loan to income (LTI) limit

You can borrow up to 3.5 times your gross salary, but if you’re getting a joint mortgage, it’s 3.5 times your combined salary.

The Central Bank allows 15% of second-time buyer mortgages to be offered above the LTI limit of 3.5 times gross salary, so lenders may be able to increase this limit under certain circumstances. You’ll need to be a low-risk borrower to be considered, requiring a good credit rating and income level.

Go to mortgage calculators

How much is stamp duty in Ireland?

Stamp Duty is a tax you have to pay when you transfer ownership of a property and other assets in Ireland. It’s due when a Deed of Transfer or Deed of Conveyance is required to transfer ownership.

When you’re buying a new home, stamp duty rates depend on the value of the property. The current rates for residential homes in Ireland are:

  • 1% of the purchase price up to €1m
  • 2% of anything between €1m-€1.5m
  • 6% of anything above €1.5m

How much does it cost to move home?

This depends on the value of your current and new home but in addition to product fees, there are several other fees to pay, including:

  • Valuation fee, this covers a report that’s given to your lender
  • Survey fee to check the structural condition of the property before you buy
  • Solicitor fees for managing the process and legally transferring the property into your name
  • Stamp duty, this is a type of tax you must pay
  • Early redemption charge may apply if you leave a fixed rate mortgage before the term ends. You could save money by porting your mortgage over to the new property.
  • Removal costs or temporary storage fees for your furniture, appliances, and other belongings

Total up and factor in all these potential extra costs before you commit to a new property and make your move.

The home mover mortgage process

Here are the key steps for getting a home mover mortgage and moving to a new home.

  1. Firstly, get your home valued and work out how much you can borrow and the deposit required for your new property.
  2. Compare mortgage deals using our comparison tool or find a mortgage broker who can access a panel of lenders. Once you’ve found a mortgage that’s right for you, apply for an approval in principle with the lender.
  3. Finally, find a property that’s within budget, make an offer and obtain a solicitor to carry out the legal proceedings. Once your mortgage application is confirmed, you’ll need to sign your mortgage offer letter.

How to choose the best home mover mortgage

To find the right mortgage for you, you need to consider several things before you apply.

  • Check the LTV matches your eligibility: Comparing products with the right maximum loan to value will narrow your search.
  • Choose a fixed or variable rate: If you’ve increased your mortgage, repayments will be higher, so you may want a fixed rate mortgage with set payments. If rates are low, you may opt for a variable rate mortgage which lets you switch, redeem and overpay your mortgage for free.
  • Compare interest rates: The lower the rate, the less interest you’ll pay, making your repayments cheaper and reduce the cost of your mortgage overall.
  • Consider the fixed rate term: If you choose a fixed rate mortgage, you’ll need to decide how long to fix. The best option depends on your future plans and mortgage market conditions.

Do you need to switch your mortgage when moving home?

No. Although you can switch your mortgage to a new rate, with the same or a different lender, you can also you can also transfer it to your new property, or you can apply to ‘top up’ if you need to borrow more.

Switching to a new mortgage could work if you’re buying a more expensive property or better rates are on offer. Remember:

  • If you are currently on a variable rate mortgage, you are free to switch your mortgage.
  • If you are on a fixed-rate rate mortgage, you may have to pay a fee for ending the fixed-rate early.
  • You will have to complete a full mortgage application and pay legal fees similar to when you first bought your house.

Popular questions

Can I keep my tracker mortgage if I move home?

If you have a tracker mortgage and don’t want to give it up, you may be able to continue on that type of mortgage when you move home.

Although trackers are unavailable to new customers, some lenders offer follow-on tracker mortgages for existing tracker customers.

This means staying with the same lender and the same or similar product terms as before.

Check with your lender whether they offer a tracker mortgage for home movers.

Can I move house if I have a fixed rate mortgage?

It is possible to move if you have a fixed rate mortgage, but you may have to pay an early redemption charge (ERC).

To avoid paying fees, you may be able to:

  • Port your mortgage over to the new property
  • Wait until the end of your fixed term, when you’re free to redeem your mortgage without penalty

Porting over your mortgage involves staying with the same lender and reapplying for a mortgage with them. This may mean missing out on a better interest rate with another lender.

If your circumstances have changed since you last applied or wish to borrow more, you may not be eligible to port your mortgage over.

You’ll need to weigh your options and the costs involved. For example, paying an ERC and switching your mortgage to a better rate or porting your mortgage over and paying a higher interest rate.

Can I move home with negative equity?

If you owe more on your mortgage than the property is worth, this may prevent you from moving.

However, some lenders may let you transfer the negative equity to your new mortgage if you meet other criteria, e.g. a good repayment record for the past two years. Speak to your lender, a mortgage broker (mortgage credit intermediary), or a financial advisor for advice.

Warning: If you do not keep up your repayments you may lose your home. Warning: The cost of your monthly repayments may increase. Warning: You may have to pay charges if you pay off a fixed rate loan early. Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period. The payment rates on this housing loan may be adjusted by the lender from time to time. (applies to variable rate loans only) Information provided and Interest rates quoted valid at 01/12/2024