Compare home mover mortgages

Whether you’re upsizing or downsizing, our home mover comparison can help you find the right mortgage. Compare home mover deals from the top lenders in Ireland.

You have a 80.0% loan to value (LTV)
We found 73 results for you
Sorted by monthly payment
Green 4 Year Fixed Rate
2.15%
4 Year Fixed rate
80%
Max LTV
2.8%
Indicative APRC*i
€1,026.04
Monthly payment
Available for BER rating of B3 or higher.i
Available for BER rating of B3 or higher.Haven now offers customers a new, lower rate of interest for going Green if you are buying, moving to or building a high energy rated home. Haven Green 4 Year Fixed Rate Mortgage supports customers who want to live in a sustainable property by offering a lower rate of interest for all A1 to B3 energy rated homes. T&C's apply.
7 Year Fixed
2.2%
7 Year Fixed rate
80%
Max LTV
2.55%
Indicative APRC*i
€1,030.82
Monthly payment
5 Year Fixed
2.2%
5 Year Fixed rate
80%
Max LTV
2.61%
Indicative APRC*i
€1,030.82
Monthly payment
4 Year Fixed
2.2%
4 Year Fixed rate
80%
Max LTV
2.65%
Indicative APRC*i
€1,030.82
Monthly payment
3 Year Fixed
2.2%
3 Year Fixed rate
80%
Max LTV
2.68%
Indicative APRC*i
€1,030.82
Monthly payment
4 Year Fixed
2.25%
4 Year Fixed rate
80%
Max LTV
3.32%
Indicative APRC*i
€1,035.62
Monthly payment
2 Year Fixed
2.25%
2 Year Fixed rate
80%
Max LTV
3.5%
Indicative APRC*i
€1,035.62
Monthly payment
€1,500 towards legal costs. T&Cs apply.i
€1,500 towards legal costs. T&Cs apply.€1,500 payment as a contribution to your legal fees will be made into the current account from which your mortgage payment is made after mortgage drawdown. This amount is fixed and will not change if your legal fees are higher or lower. T&Cs apply.
Progress 3 Year Fixed
2.3%
3 Year Fixed rate
80%
Max LTV
2.82%
Indicative APRC*i
€1,040.43
Monthly payment
3 Year Fixed
2.3%
3 Year Fixed rate
80%
Max LTV
2.88%
Indicative APRC*i
€1,040.43
Monthly payment
Available to KBC current account customers.
€1,500 towards your professional fees. T&Cs apply.i
€1,500 towards your professional fees. T&Cs apply.First time buyers and home movers can get a contribution of €1,500 towards professional fees (legal & valuation costs) after draw down of a 3, 5 or 10 year fixed-rate mortgage. For applications made by 31st December 2021. T&Cs apply.
2 Year Fixed
2.3%
2 Year Fixed rate
80%
Max LTV
2.95%
Indicative APRC*i
€1,040.43
Monthly payment
Available to KBC current account customers.
10 Year Fixed
2.35%
10 Year Fixed rate
80%
Max LTV
2.56%
Indicative APRC*i
€1,045.25
Monthly payment
Progress 5 Year Fixed
2.35%
5 Year Fixed rate
80%
Max LTV
2.73%
Indicative APRC*i
€1,045.25
Monthly payment
5 Year Fixed
2.45%
5 Year Fixed rate
80%
Max LTV
2.78%
Indicative APRC*i
€1,054.94
Monthly payment
Discount available for BER rating of B3 or higher.i
Discount available for BER rating of B3 or higher.Interest rate discount of 0.3% available for BER rating of B3 or higher. T&Cs apply.
5 Year Fixed
2.45%
5 Year Fixed rate
80%
Max LTV
2.82%
Indicative APRC*i
€1,054.94
Monthly payment
5 Year Fixed
2.45%
5 Year Fixed rate
80%
Max LTV
2.82%
Indicative APRC*i
€1,054.94
Monthly payment
Available to KBC current account customers.
€1,500 towards your professional fees. T&Cs apply.i
€1,500 towards your professional fees. T&Cs apply.First time buyers and home movers can get a contribution of €1,500 towards professional fees (legal & valuation costs) after draw down of a 3, 5 or 10 year fixed-rate mortgage. For applications made by 31st December 2021. T&Cs apply.
3 Year Fixed
2.45%
3 Year Fixed rate
80%
Max LTV
2.86%
Indicative APRC*i
€1,054.94
Monthly payment
5 Year Fixed
2.45%
5 Year Fixed rate
80%
Max LTV
3.2%
Indicative APRC*i
€1,054.94
Monthly payment
€1,500 towards legal costs. T&Cs apply.i
€1,500 towards legal costs. T&Cs apply.€1,500 payment as a contribution to your legal fees will be made into the current account from which your mortgage payment is made after mortgage drawdown. This amount is fixed and will not change if your legal fees are higher or lower. T&Cs apply.
4 Year Fixed
2.45%
4 Year Fixed rate
80%
Max LTV
3.3%
Indicative APRC*i
€1,054.94
Monthly payment
€1,500 towards legal costs. T&Cs apply.i
Discount available for BER rating of B2 or higher.i
€1,500 towards legal costs. T&Cs apply.€1,500 payment as a contribution to your legal fees will be made into the current account from which your mortgage payment is made after mortgage drawdown. This amount is fixed and will not change if your legal fees are higher or lower. T&Cs apply.
Discount available for BER rating of B2 or higher.Interest rate discount of 0.1% available for BER rating of B2 or higher. T&Cs apply.
3 Year Fixed
2.5%
3 Year Fixed rate
80%
Max LTV
2.91%
Indicative APRC*i
€1,059.81
Monthly payment
1 Year Fixed
2.5%
1 Year Fixed rate
80%
Max LTV
3.05%
Indicative APRC*i
€1,059.81
Monthly payment
Available to KBC current account customers.
3 Year Fixed
2.5%
3 Year Fixed rate
80%
Max LTV
3.08%
Indicative APRC*i
€1,059.81
Monthly payment
€1,500 towards your professional fees. T&Cs apply.i
€1,500 towards your professional fees. T&Cs apply.First time buyers and home movers can get a contribution of €1,500 towards professional fees (legal & valuation costs) after draw down of a 3, 5 or 10 year fixed-rate mortgage. For applications made by 31st December 2021. T&Cs apply.
2 Year Fixed
2.5%
2 Year Fixed rate
80%
Max LTV
3.16%
Indicative APRC*i
€1,059.81
Monthly payment
5 Year Fixed
2.55%
5 Year Fixed rate
80%
Max LTV
3.0%
Indicative APRC*i
€1,064.68
Monthly payment
3 Year Fixed
2.55%
3 Year Fixed rate
80%
Max LTV
3.1%
Indicative APRC*i
€1,064.68
Monthly payment
One Mortgage - up to 20 Years Fixed
2.6%
20 Year Fixed rate
80%
Max LTV
2.65%
Indicative APRC*i
€1,069.58
Monthly payment
5 Year Fixed
2.65%
5 Year Fixed rate
80%
Max LTV
3.03%
Indicative APRC*i
€1,074.48
Monthly payment
€1,500 towards your professional fees. T&Cs apply.i
€1,500 towards your professional fees. T&Cs apply.First time buyers and home movers can get a contribution of €1,500 towards professional fees (legal & valuation costs) after draw down of a 3, 5 or 10 year fixed-rate mortgage. For applications made by 31st December 2021. T&Cs apply.
Progress 10 Year Fixed
2.7%
10 Year Fixed rate
80%
Max LTV
2.82%
Indicative APRC*i
€1,079.40
Monthly payment
1 Year Fixed
2.7%
1 Year Fixed rate
80%
Max LTV
3.26%
Indicative APRC*i
€1,079.40
Monthly payment
4 Year Fixed
2.75%
4 Year Fixed rate
80%
Max LTV
2.94%
Indicative APRC*i
€1,084.33
Monthly payment
5 Year Fixed
2.75%
5 Year Fixed rate
80%
Max LTV
3.4%
Indicative APRC*i
€1,084.33
Monthly payment
Up to 3% Cashbacki
Up to 3% CashbackEBS 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. T&Cs apply.
3 Year Fixed
2.75%
3 Year Fixed rate
80%
Max LTV
3.5%
Indicative APRC*i
€1,084.33
Monthly payment
Up to 3% Cashbacki
Up to 3% CashbackEBS 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. T&Cs apply.
Progress 15 Year Fixed
2.8%
15 Year Fixed rate
80%
Max LTV
2.87%
Indicative APRC*i
€1,089.28
Monthly payment
Progress 20 Year Fixed
2.9%
20 Year Fixed rate
80%
Max LTV
2.96%
Indicative APRC*i
€1,099.21
Monthly payment
4 Year Fixed
2.9%
4 Year Fixed rate
80%
Max LTV
3.5%
Indicative APRC*i
€1,099.21
Monthly payment
Up to 3% Cashbacki
Up to 3% CashbackEBS 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. T&Cs apply.
2 Year Fixed
2.9%
2 Year Fixed rate
80%
Max LTV
3.6%
Indicative APRC*i
€1,099.21
Monthly payment
Up to 3% Cashbacki
Up to 3% CashbackEBS 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. T&Cs apply.
1 Year Fixed
2.9%
1 Year Fixed rate
80%
Max LTV
3.7%
Indicative APRC*i
€1,099.21
Monthly payment
Up to 3% Cashbacki
Up to 3% CashbackEBS 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. T&Cs apply.
2 Year Fixed
2.9%
2 Year Fixed rate
80%
Max LTV
4.0%
Indicative APRC*i
€1,099.21
Monthly payment
Up to 3% Cashbacki
Discount available for BER rating of B3 or higher.i
Up to 3% CashbackFirst time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
Discount available for BER rating of B3 or higher.Interest rate discount of 0.2% available for BER rating of B3 or higher. T&Cs apply.
1 Year Fixed
2.9%
1 Year Fixed rate
80%
Max LTV
4.2%
Indicative APRC*i
€1,099.21
Monthly payment
Up to 3% Cashbacki
Discount available for BER rating of B3 or higher.i
Up to 3% CashbackFirst time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
Discount available for BER rating of B3 or higher.Interest rate discount of 0.2% available for BER rating of B3 or higher. T&Cs apply.
Variable
2.95%
Variable rate
80%
Max LTV
3.0%
Indicative APRC*i
€1,104.20
Monthly payment
Variable
2.95%
Variable rate
80%
Max LTV
3.02%
Indicative APRC*i
€1,104.20
Monthly payment
Progress Variable
2.95%
Variable rate
80%
Max LTV
3.02%
Indicative APRC*i
€1,104.20
Monthly payment
Variable
2.95%
Variable rate
80%
Max LTV
3.02%
Indicative APRC*i
€1,104.20
Monthly payment
10 Year Fixed
2.95%
10 Year Fixed rate
80%
Max LTV
3.2%
Indicative APRC*i
€1,104.20
Monthly payment
€1,500 towards legal costs. T&Cs apply.i
€1,500 towards legal costs. T&Cs apply.€1,500 payment as a contribution to your legal fees will be made into the current account from which your mortgage payment is made after mortgage drawdown. This amount is fixed and will not change if your legal fees are higher or lower. T&Cs apply.
7 Year Fixed
2.95%
7 Year Fixed rate
80%
Max LTV
3.3%
Indicative APRC*i
€1,104.20
Monthly payment
€1,500 towards legal costs. T&Cs apply.i
€1,500 towards legal costs. T&Cs apply.€1,500 payment as a contribution to your legal fees will be made into the current account from which your mortgage payment is made after mortgage drawdown. This amount is fixed and will not change if your legal fees are higher or lower. T&Cs apply.
3 Year Fixed
2.95%
3 Year Fixed rate
80%
Max LTV
3.67%
Indicative APRC*i
€1,104.20
Monthly payment
Up to 2% Cashbacki
Up to 2% CashbackGet 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 31 December 2021. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2027, when you pay from an Explore Account. T&Cs apply.
10 Year Fixed
2.99%
10 Year Fixed rate
80%
Max LTV
3.06%
Indicative APRC*i
€1,108.19
Monthly payment
Available to KBC current account customers.
€1,500 towards your professional fees. T&Cs apply.i
€1,500 towards your professional fees. T&Cs apply.First time buyers and home movers can get a contribution of €1,500 towards professional fees (legal & valuation costs) after draw down of a 3, 5 or 10 year fixed-rate mortgage. For applications made by 31st December 2021. T&Cs apply.
7 Year Fixed
3.0%
7 Year Fixed rate
80%
Max LTV
3.42%
Indicative APRC*i
€1,109.20
Monthly payment
Up to 2% Cashbacki
Up to 2% CashbackGet 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 31 December 2021. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2027, when you pay from an Explore Account. T&Cs apply.
5 Year Fixed
3.0%
5 Year Fixed rate
80%
Max LTV
3.54%
Indicative APRC*i
€1,109.20
Monthly payment
Up to 2% Cashbacki
Up to 2% CashbackGet 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 31 December 2021. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2027, when you pay from an Explore Account. T&Cs apply.
5 Year Fixed
3.0%
5 Year Fixed rate
80%
Max LTV
3.7%
Indicative APRC*i
€1,109.20
Monthly payment
Up to 3% Cashbacki
Discount available for BER rating of B3 or higher.i
Up to 3% CashbackFirst time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
Discount available for BER rating of B3 or higher.Interest rate discount of 0.2% available for BER rating of B3 or higher. T&Cs apply.
3 Year Fixed
3.0%
3 Year Fixed rate
80%
Max LTV
3.9%
Indicative APRC*i
€1,109.20
Monthly payment
Up to 3% Cashbacki
Discount available for BER rating of B3 or higher.i
Up to 3% CashbackFirst time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
Discount available for BER rating of B3 or higher.Interest rate discount of 0.2% available for BER rating of B3 or higher. T&Cs apply.
1 Year Fixed
3.05%
1 Year Fixed rate
80%
Max LTV
3.03%
Indicative APRC*i
€1,114.21
Monthly payment
2 Year Fixed
3.05%
2 Year Fixed rate
80%
Max LTV
3.04%
Indicative APRC*i
€1,114.21
Monthly payment
7 Year Fixed
3.05%
7 Year Fixed rate
80%
Max LTV
3.08%
Indicative APRC*i
€1,114.21
Monthly payment
Variable
3.05%
Variable rate
80%
Max LTV
3.11%
Indicative APRC*i
€1,114.21
Monthly payment
Available to KBC current account customers.
2 Year Fixed
3.1%
2 Year Fixed rate
80%
Max LTV
3.79%
Indicative APRC*i
€1,119.23
Monthly payment
Up to 2% Cashbacki
Up to 2% CashbackGet 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 31 December 2021. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2027, when you pay from an Explore Account. T&Cs apply.
2 Year Fixed
3.15%
2 Year Fixed rate
80%
Max LTV
3.2%
Indicative APRC*i
€1,124.27
Monthly payment
1 Year Fixed
3.15%
1 Year Fixed rate
80%
Max LTV
3.2%
Indicative APRC*i
€1,124.27
Monthly payment
7 Year Fixed
3.15%
7 Year Fixed rate
80%
Max LTV
3.2%
Indicative APRC*i
€1,124.27
Monthly payment
10 Year Fixed
3.19%
10 Year Fixed rate
80%
Max LTV
3.27%
Indicative APRC*i
€1,128.31
Monthly payment
€1,500 towards your professional fees. T&Cs apply.i
€1,500 towards your professional fees. T&Cs apply.First time buyers and home movers can get a contribution of €1,500 towards professional fees (legal & valuation costs) after draw down of a 3, 5 or 10 year fixed-rate mortgage. For applications made by 31st December 2021. T&Cs apply.
Loyalty Discounted Variable
3.2%
Variable rate
80%
Max LTV
3.2%
Indicative APRC*i
€1,129.33
Monthly payment
Available to Ulster Bank current account customers.
€1,500 towards legal costs. T&Cs apply.i
€1,500 towards legal costs. T&Cs apply.€1,500 payment as a contribution to your legal fees will be made into the current account from which your mortgage payment is made after mortgage drawdown. This amount is fixed and will not change if your legal fees are higher or lower. T&Cs apply.
10 Year Fixed
3.2%
10 Year Fixed rate
80%
Max LTV
3.22%
Indicative APRC*i
€1,129.33
Monthly payment
Progress Plus 3 Year Fixed
3.2%
3 Year Fixed rate
80%
Max LTV
3.56%
Indicative APRC*i
€1,129.33
Monthly payment
Variable
3.25%
Variable rate
80%
Max LTV
3.32%
Indicative APRC*i
€1,134.39
Monthly payment
10 Year Fixed
3.3%
10 Year Fixed rate
80%
Max LTV
3.3%
Indicative APRC*i
€1,139.47
Monthly payment
10 Year Fixed
3.3%
10 Year Fixed rate
80%
Max LTV
3.6%
Indicative APRC*i
€1,139.47
Monthly payment
Up to 3% Cashbacki
Discount available for BER rating of B3 or higher.i
Up to 3% CashbackFirst time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
Discount available for BER rating of B3 or higher.Interest rate discount of 0.2% available for BER rating of B3 or higher. T&Cs apply.
Progress Plus 5 Year Fixed
3.35%
5 Year Fixed rate
80%
Max LTV
3.56%
Indicative APRC*i
€1,144.56
Monthly payment
Variable
3.35%
Variable rate
80%
Max LTV
3.9%
Indicative APRC*i
€1,144.56
Monthly payment
The discounted rate will apply for a period of 1 year from the date of loan issue, but may change within the 1 year discount period (and/or at any time prior to drawdown of the loan). After 1 year your discounted mortgage rate will revert to one of our managed variable rates in line with your LTV at the time of loan issue (this will be 0.50% higher than your discount rate)”). Discount for new customers only.
Up to 2% Cashbacki
Up to 2% CashbackGet 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 31 December 2021. Exclusions apply. You can also get 2% of your monthly mortgage repayments back in cash every month until 31 December 2027, when you pay from an Explore Account. T&Cs apply.
Variable
3.5%
Variable rate
80%
Max LTV
3.6%
Indicative APRC*i
€1,159.92
Monthly payment
Up to 3% Cashbacki
Up to 3% CashbackEBS 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. T&Cs apply.
Variable Rate with uFirstGold / uFirst Private Discount
3.55%
Variable rate
80%
Max LTV
3.6%
Indicative APRC*i
€1,165.06
Monthly payment
Available to Ulster Bank uFirstGold and uFirst Private current account customers.
€1,500 towards legal costs. T&Cs apply.i
€1,500 towards legal costs. T&Cs apply.€1,500 payment as a contribution to your legal fees will be made into the current account from which your mortgage payment is made after mortgage drawdown. This amount is fixed and will not change if your legal fees are higher or lower. T&Cs apply.
Progress Plus Variable
3.6%
Variable rate
80%
Max LTV
3.69%
Indicative APRC*i
€1,170.22
Monthly payment
Variable Rate with uFirst Discount
3.6%
Variable rate
80%
Max LTV
3.7%
Indicative APRC*i
€1,170.22
Monthly payment
Available to Ulster Bank uFirst current account customers.
€1,500 towards legal costs. T&Cs apply.i
€1,500 towards legal costs. T&Cs apply.€1,500 payment as a contribution to your legal fees will be made into the current account from which your mortgage payment is made after mortgage drawdown. This amount is fixed and will not change if your legal fees are higher or lower. T&Cs apply.
Variable
3.7%
Variable rate
80%
Max LTV
3.8%
Indicative APRC*i
€1,180.58
Monthly payment
€1,500 towards legal costs. T&Cs apply.i
€1,500 towards legal costs. T&Cs apply.€1,500 payment as a contribution to your legal fees will be made into the current account from which your mortgage payment is made after mortgage drawdown. This amount is fixed and will not change if your legal fees are higher or lower. T&Cs apply.
Variable
4.2%
Variable rate
80%
Max LTV
4.3%
Indicative APRC*i
€1,233.14
Monthly payment
Up to 3% Cashbacki
Up to 3% CashbackFirst time buyers, home movers and switchers can receive 2% of your new mortgage back as cash upfront. If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). T&Cs apply.
* Indicative APRC (Annual Percentage Rate of Charge): calculations are based on a typical mortgage of €100,000 over a 20 year term.

Home mover mortgage rules

To make it clear what you can borrow if you want to move home, the Central Bank set out some rules for second time buyers, which cover home movers:

Loan to value (LTV) limit

The maximum LTV is 80%, this is the percentage of the property’s value you can borrow. This means you’ll need a 20% deposit.

Lenders have some flexibility to go above this limit in some cases.

Each year, they can give an allowance of 20% of the value of mortgages to second or subsequent buyers.

Loan to income (LTI) limit

You can borrow up to 3.5 times your gross salary with a mortgage. If you’re getting a mortgage with someone, it’s 3.5 times your combined salaries.

Again, lenders may be able to increase this limit for you. They can give an allowance of 10% of the value of mortgages to second buyers in a year.

To be considered for additional funds or a higher LTV, you’ll need to be a low risk borrower, this will require a good credit history and a good level of income.

How to get a home mover mortgage

These are the basic steps for getting a home mover mortgage and moving to a new home:

  1. Get your current home valued
  2. Check how much deposit to save and how much you can borrow
  3. Compare mortgage deals using our comparison above
  4. Apply for an approval in principle
  5. Find a property that’s in budget, and make an offer
  6. Find a solicitor to carry out the legal proceedings
  7. Confirm your mortgage and sign your mortgage offer letter
  8. Transfer your mortgage protection insurance and home insurance to your new property

How to choose the best home mover mortgage

To find the right mortgage for you, there are a few things to consider:

  • Check the LTV matches your eligibility: Comparing products with the right maximum loan to value, will narrow your search down.
  • Choose a fixed or variable rate: If you’ve increased your mortgage, your 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 as well as the cost of your mortgage overall.
  • Choose a fixed rate term: If you choose a fixed rate mortgage, you’ll need to decide how long to fix for. Having just moved, you may want a long fixed term, or you may choose a shorter term with a cheaper rate.

What happens if you’re in negative equity?

If you owe more on your mortgage than the property is worth, this often prevents you from being able to move.

However, some lenders may let you transfer the negative equity over to your new mortgage if you meet other criteria e.g. a good repayment record for the past two years.

You should speak to your lender, a mortgage broker (mortgage credit intermediary), or a financial advisor for advice.

Home mover mortgage FAQs

Can I keep my tracker mortgage if I move home?

If you have a tracker mortgage and you 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 not available 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), which could cost thousands of euro.

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 you wish to borrow more, you may not be eligible to port your mortgage over.

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

What fees and costs do I have to pay when moving home?

There are several fees to pay that can’t be added to your mortgage, 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, to manage the process and legally transfer the property into your name
  • Stamp duty, this is a type of tax you must pay
  • Early redemption charge, this 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.

To help you move your furniture, appliances, and other belongings, you may need to pay for removals or temporary storage.

Once you’ve moved, depending on the condition of the property and your budget, you may wish to redecorate it, or do some more substantial renovations.

Your complete guide to mortgages

Whether you’re buying your first home, switching mortgages, or moving, this guide has everything you need to help you prepare. Here’s how the mortgage process works from start to finish.

How to switch to a better mortgage deal

Switching your mortgage could save you thousands of euro in interest, or help you reduce your loan term. Here’s how to find the best switcher mortgage.

How much can I borrow mortgage calculator

You can use our free mortgage calculator to work out how much you might be able to borrow from mortgage lenders in Ireland.

What insurance do you need with your mortgage?

Getting the right insurance to protect you and your home financially is vital. Here’s the insurance you need, and other types also worth considering.

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 04/08/2021