Moving home

New home, new mortgage – we’ll guide you through it.


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Why choose us for a mortgage?

Better BER, better fixed rate

Enjoy an EcoSaver fixed interest rate linked to your Building Energy Rating (BER). The better your BER, the better your fixed interest rate. Terms and conditions apply.1

Competitive rates

Our competitive interest options include variable rates and fixed rates up to 10 years. Use our calculator or view our rates table to help decide your rate.

Cashback offer

With Cashback Plus, you can get up to 3% of your mortgage drawdown back in cash (2% after you draw down and 1% after 5 years) on qualifying fixed rates. Terms and conditions apply.2

Flexible repayments

Control your mortgage repayments to suit your lifestyle with our mortgage flexi-options. Terms and conditions apply.

Early repayment compensation refund for movers

If you repay a Bank of Ireland fixed rate mortgage early because you are moving home, you may have to pay early repayment compensation. If you take out a new Bank of Ireland mortgage for your new home within 12 months, you may be able to request a refund of that compensation, subject to the conditions below. Eligibility criteria and terms and conditions apply3

Important: you must request the refund

The refund is not paid automatically. To request a refund, please contact us on 01 611 3333 9am to 5pm, Monday to Friday, within 12 months of your new mortgage drawdown.

Fixed rate porting option

Please note that this flexi option will only be available for mortgages where a formal letter of offer has issued on or before 19 November 2026 (and, for the avoidance of doubt, an approval in principle does not constitute a loan offer for these purposes).

You may be able to bring your Bank of Ireland fixed rate to your new mortgage and get a refund of the break charge incurred (if applicable) for ending your fixed rate early if you draw down your new mortgage within 6 months of repaying your old one. Talk to your mortgage specialist to find out more. Terms and conditions apply.

House-hunter?

If you haven’t found a suitable property yet, our approval in principle lasts for up to twelve months.

‘Tracker for movers’ rate

If you have a Bank of Ireland tracker mortgage, you can keep a tracker rate on part of your new mortgage, with an extra 1% added to the rate you have now. This will last until your original tracker loan’s end date. Terms and conditions apply.

Extra borrowing options

Movers also have the option to borrow money for things like renovations. Subject to lending criteria.


Plan your budget with our mortgage calculator

Get an idea of how much you can afford to borrow and plan your budget with our mortgage calculator.

Try our mortgage calculator


Our mortgage guide for movers

  • Step 1: Review your current mortgage and equity

    Check the terms of your existing mortgage (including any potential penalties for early repayment) and calculate your equity. You can do this by estimating your home’s market value using the Property Price Register* (or getting a property valuation) and subtracting the remaining balance on your existing mortgage.

    *Bank of Ireland is not for responsible for information provided on third party websites.

  • Step 2: Determine your new budget

    Movers can generally borrow up to 3.5 times your gross annual income (or combined income for joint applicants) and up to 90% of the value of a property. This means you’ll need to save 10% of the purchase price as a deposit. Use our mortgage calculator to estimate how much you can borrow based on your income, expenses, and deposit (likely from the equity in your current home). This will help you clarify the budget for your next home.

    Remember: There are other expenses to keep in mind like stamp duty, legal fees, home insurance, and mortgage protection.

  • Step 3: Start your application
    When you’ve worked out your budget and saved your deposit, it’s time to fill in your mortgage application online, in a branch, or over the phone. You do not need to have a property in mind at this stage.
  • Step 4: Provide requested documents

    Alongside your mortgage application, you’ll need documents like:

    – Proof of identification and address – your current passport or driver’s licence and a recent utility bill
    – Proof of income – your last two payslips and a salary certificate if you’re a PAYE employee or your most recent 2 years’ audited accounts if you’re self-employed
    – Records of your finances – your last 6 months’ current account statements and 6 months’ savings account statements demonstrating regular saving (if your accounts are not with Bank of Ireland)
    – Proof of mortgage repayments – a current mortgage statement showing your last 12 repayments for any existing mortgage held with another financial institution
    – Additional documents (if relevant) – things like separation/divorce agreement, evidence of inheritance, and statements for recently closed loans

  • Step 5: Get approval in principle (AIP)

    If your application is successful, we’ll send you a formal ‘Approval in principle’ letter. Getting AIP shows sellers you’re a serious buyer and provides clarity on your budget.

    Remember: AIP is not a loan offer, so you cannot rely on it to enter into a contract to purchase a property. AIP for house-hunters generally lasts for up to 12 months. If it expires, you’ll need to apply for AIP again.

  • Step 6: List your current home and find a new property
    Get a BER assessment for your home, then work with an estate agent to put it up for sale. Start looking for your next home within the budget set by your AIP. When you find a house you want to buy, you can make an offer that depends on selling your current home first (if needed).
  • Step 7: Complete your application

    If your offer is accepted, contact us to finalise your mortgage application. At that stage, we’ll send you a formal ‘Mortgage Loan Offer’ to buy your new property. It will include details of any final requirements you may need to meet before you can draw down the money to buy your new home.

    Remember: You’ll need to have the property valued by a professional valuer that we approve of. We will send you a list of valuers at this stage. We also recommend that you get a property survey carried out for your own peace of mind as this can identify potential issues that you might not otherwise see. In some cases, we may insist that you get one, particularly if the house you’re buying is older.

  • Step 8: Draw down your funds and get your keys
    If all the requirements are met, your solicitor will complete the purchase with the seller’s solicitor, close the sale of your current property, and arrange to transfer the property title to you.

What makes us different?

Manage your mortgage

We have two dedicated mortgage portals; one designed to help you view your mortgage details and the other to allow you make changes to your existing mortgage.

Manage my mortgage

Choose how you apply

You can talk to us about your mortgage journey online, in-branch, or over the phone.

Start application now

Watch, listen, learn

We have lots of useful videos and podcasts to help you better understand the mortgage process.

See our mortgage content

How much can I borrow?

Movers can generally borrow up to 3.5 times your gross annual income (or combined income for joint applicants) and up to 90% of the property’s value. These limits can vary based on individual circumstances, so it’s best to talk to us about your options.

Property price€250,000
Mortgage amount 90% of €250,000€225,000
Deposit required 10% of €250,000€25,000


The lender is Bank of Ireland Mortgage Bank u.c. or Bank of Ireland. Lending criteria and terms and conditions apply. A typical mortgage to buy your home of €100,000 over 20 years with 240 monthly instalments costs €613.16 per month at 4.15% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Tailte Éireann. The total amount you pay is €147,482.50. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income (4 times gross annual income for first-time buyers) and 90% of the property value. A 1% interest rate rise would increase monthly repayments by €53.89 per month. The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home. Available to over 18s only. The mortgage will be subject to assessment of suitability and affordability. APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years.

Mortgage-related products

Mortgage protection

Helps towards repaying your mortgage if you pass away or are diagnosed with a covered serious illness (if you choose this benefit). Giving peace of mind to you and your family.

Home insurance

Safeguard your home and personal belongings from fire, flood, or theft with comprehensive insurance. Home insurance gives you peace of mind that your property and belongings are fully protected.


Want to upgrade your BER?

Plan works, estimate the costs and savings of improving your home’s energy efficiency, and view financing options.

Try our energy upgrade tool


Frequently asked questions



Being mindful about borrowing

Your financial wellbeing is our priority. Discover more about the relationship between borrowing and debt to make informed decisions about your mortgage and future.

Learn more about borrowing and debt


Need a helping hand?

Get support and assistance from our mortgage specialists, 9am to 5pm, Monday to Friday. Choose your preferred way to talk to us.

You can call us

0818 365 345

We can call you

Request a callback

Meet a specialist

Book an appointment
Warning: If you do not keep up your repayments you may lose your home.
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 report, which may limit your ability to access credit, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Warning: Your interest rate may increase and the amount of your mortgage repayments may increase as a result.
Warning: You should consider the total cost of the mortgage and any applicable incentive included in a mortgage offer.​

Information and legal notices

Legal and regulatory information for mortgages.

View information and legal notices


1

The EcoSaver fixed interest rate provides customers with discounts based on their Building Energy Rating (BER). The better the BER, the better the discount. The EcoSaver fixed rate is available to all customers, if you're new to Bank of Ireland or already have a mortgage with us. You can get the EcoSaver fixed interest rate if you are borrowing to buy a home for yourself or your family, an investment property to let, or you're switching your mortgage loan to us from another lender. You must supply a valid BER certificate to take advantage of the EcoSaver fixed rate. Available with fixed rates only. Terms and conditions apply.

 

Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.
2

Up to 3% cashback is available to first-time buyers, movers and switchers who draw down a new mortgage. 2% cashback on 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 or standard variable rate. Terms and conditions apply.

 

HVM is the High Value Mortgage Fixed Interest Rate:

The High Value Mortgage Interest rates are a one, four, five or seven year fixed interest rate with no Cashback. The High Value Mortgage fixed interest rate is available to you if you are buying or building a property to live in as your home or are switching your mortgage loan to the Bank of Ireland Group from another mortgage lender outside our Group, AND you are borrowing €250,000 or more. View High Value Mortgage fixed interest rate for full details and terms and conditions.
3

Here’s how it works

  • You must have had a Bank of Ireland fixed rate mortgage, which you paid off in full when you moved home, and paid early repayment compensation.
  • You draw down a new Bank of Ireland mortgage for the home you are moving to and meet the time limits set out below.
  • The amount you borrow under your new mortgage must be at least equal to the balance left on your previous mortgage when you repaid it in full.
  • Both mortgages must be for your primary home (in other words, the property you or your family live in).

Time limits

  • You must pay off your existing Bank of Ireland mortgage in full and draw down your new mortgage within 12 months of each other.
  • If your new mortgage is drawn down in stages (for example, a self-build mortgage) the first draw down must take place within that 12-month period.
  • You must contact us to request your refund within 12 months of your new mortgage drawdown (or date of the first drawdown, if you draw it down in stages).

Example

If you repay your existing mortgage on 1 December 2026, you must draw down your new mortgage by 30 November 2027. You then have up to 12 months from your new mortgage drawdown date to request your refund.


Other important information

  • The offer of a new mortgage will be subject to lending criteria and terms and conditions at time of application.
  • Any new mortgage offered will be at the prevailing interest rates at the date of drawdown of the new mortgage.
  • We reserve the right to withdraw the offer at any time at our discretion. For example, to reflect any changes in law or regulation or how they are interpreted.
  • This offer is only available for new mortgages drawn down on or after 19 August 2026.

This offer is not available for:

  • Any mortgage to buy a holiday home, property to let or for investment or
  • Any mortgage where you do not borrow as a consumer.