Moving home doesn't need to be stressful

Thinking about moving

A good step is talking to one of our mortgage advisors. You can do this over the phone, in a branch or one of our mobile mortgage managers can even come to you. If it is this year or next, it is never too soon to talk and we are here for you, wherever and whenever you need us.

We’ll give you 2% Cashback when you drawdown your new mortgage with us.  If you’re a Bank of Ireland current account customer, you can also qualify for Cashback PLUS - we’ll give you an extra 1% of your mortgage back as cash after 5 years. Find out more about our Cashback PLUS offer. (Terms and Conditions apply)

Getting Mortgage & Moving Ready

Planning is everything.  Plan to sell, plan to buy, plan to repay. Bank of Ireland is here to help you plan every step of the way.  We are here to answer all your questions and why not ask us in person at one of our many "Open House" mortgage events.

Applying for a Mortgage

If you are upsizing, downsizing or just after that dream garden or location, we are here to help you with your mortgage application. 

Making the Offer

You may have been here before but buying any new home is a big decision. When you have found the one you are looking for, Bank of Ireland will be here to help you every step of the way.

Moving In

Your offer has been accepted and now the preparation to move begins. Planning the big move is the same as planning your mortgage, just break it down into several small steps and the stress free move is only weeks away.

Mover rates

If you are a mover you can opt for a variable rate, a fixed rate or a twin rate which is a mix of both fixed and variable.  For more information on rates please see our Rates Masterclass

LTV – Loan to Value               APRC – Annual Percentage Rate of Charge

Product: LTV
Interest Rate
APRC
Variable (LTV <=60%)
3.90%
4.0%
Variable (LTV 61% - 80%)
4.20%
4.3%
Variable (LTV >80%)
4.50%
4.6%
1 Year Fixed LTV <=60%
3.40%
3.9%
1 Year Fixed LTV 61%-80%
3.40%
4.2%
1 Year Fixed LTV >80%
3.55%
4.5%
2 Year Fixed LTV <=60%
3.25%
3.9%
2 Year Fixed LTV 61%-80%
3.25%
4.1%
2 Year Fixed LTV >80%
3.55%
4.4%
3 Year Fixed LTV <=60%
3.10%
3.7%
3 Year Fixed LTV 61%-80%
3.10%
4.0%
3 Year Fixed LTV >80%
3.45%
4.3%
5 Year Fixed LTV <=60%
3.30%
3.7%
5 Year Fixed LTV 61%-80%
3.30%
3.9%
5 Year Fixed LTV >80%
3.55%
4.1%
10 Year Fixed LTV <=60%
3.95%
4.0%
10 Year Fixed LTV 61%-80%
3.95%
4.1%
10 Year Fixed LTV >80%
4.20%
4.4%

Owner Occupier rates are effective from 23rd August  2016 and are subject to change. These rates are provided for information only.

At the end of the fixed rate period existing customers on a fixed rate can choose from our range of fixed rate options or roll to the prevailing LTV Variable rates. Existing customers on a variable rate can choose from our range of fixed rates.

To avail of any of our lower fixed rate options (LTVs <=80%) a full property valuation report may need to be provided.

The lender is Bank of Ireland Mortgages. 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 €615.79 per month at 4.2% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. The total amount you pay is €148,114.60. We require property and life insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value up to €220,000 for first time buyers). A 1% interest rate rise would increase monthly repayments by €54.02 per month. The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home.

LTV – Loan to Value

APRC – Annual Percentage Rate of Charge

BTL- Buy to Let

Bank of Ireland Mortgage Bank trading as Bank of Ireland Mortgages and The Mortgage Store is regulated by the Central Bank of Ireland. Bank of Ireland is regulated by the Central Bank of Ireland.

Talk to an Advisor

You can do a full mortgage application over the phone or at a branch.

Are you ready to apply for a mortgage? Book an Appointment now

Phone Appointment with a Mortgage Advisor

If you would like to book a Phone Appointment and speak with a Mortgage Advisor over the phone.

Book Phone Appointment

Book a Skype/Facetime appointment

If you would like to book a Facetime or Skype Appointment with a Mortgage Advisor.

Book Facetime/Skype Appointment

Branch & Mobile Mortgage Manager Appointment

If you would like to meet a Mortgage Advisor in person in branch or at a location convenient to you.

Book Branch Appointment