Aerial view of rows of energy efficient new build modular terraced houses in the UK with characterless design and in built rooftop solar panels for first time buyers

Moving Home? A Smart Move Starts with the Right Mortgage

Whether you’re upsizing, downsizing or relocating, we’ll make sure your next mortgage suits your new chapter.

Get a Mortgage Book a Call

Rates from 3% *

We check more than 100 Rates from Ireland’s Leading Lenders including

WHAT YOU NEED TO KNOW BEFORE YOU MOVE

Here’s what to expect when changing homes – and how to make your mortgage move with you.

Timing Is Everything

Coordinating your sale and purchase can be tricky. We’ll help you structure your mortgage approval and timelines so everything lines up – whether you’re buying before or after selling.

Moving While Retaining Your Current Home

If you plan to buy and not sell your current home, this is possible, and we’ll walk you through options available.

Your Equity Matters

The equity in your current home can be used as your deposit for the next one. We’ll help you calculate how much you can borrow – and what that means for your monthly repayments.

Lending Rules Still Apply

Even if you’ve had a mortgage before, the Central Bank lending rules still apply: 10% deposit required, max. borrowing of 3.5x income (there are exceptions), and you need to provide updated documents – just like a new buyer.

Green Mortgage Rates

Buying an energy-efficient home (BER B3 or better)? You could qualify for lower interest rates through green mortgage offers.

best rates as of today

August 20th 2026

On certain mortgages, rates affect change, and the rate is set at the date of mortgage draw-down.

Lowest Fixed

Ireland’s fixed mortgage rate available today.

Lowest Variable

3.47%

Ireland’s variable mortgage rate available today.

Long Term Fixed

30years

Ireland’s longest fixed-term mortgage available today.

Our Customers Love Us!

Frequently Asked Questions

What happens to your mortgage when you want to move?

How does moving your home work?

How much deposit do I need to move house?

How much can I borrow for a second-time mortgage in Ireland?

How does a fresh start mortgage work?

A Fresh Start mortgage is designed to help individuals or families who have previously experienced financial difficulty – such as insolvency, bankruptcy, or loss of property ownership – get back on the property ladder.

Under the Rebuilding Ireland Home Loan scheme, a Fresh Start mortgage is available to those who meet the following conditions:

You’ve previously owned a home (alone or jointly) but no longer have a financial interest in any property.
You’ve gone through insolvency or bankruptcy or experienced a separation or divorce that affected your ability to stay in your home.
You do not currently own a property.
You meet the standard eligibility criteria (e.g. income limits, Irish residency, first-time buyer status in effect).

These mortgages are provided by local authorities and aim to offer affordable, fixed-rate lending to those who wouldn’t typically qualify through mainstream banks.

Our other mortgages

Whether you’re building from scratch, moving home, switching lenders, or investing, we’ve got you covered.

First Time Buyer Mortgage Switcher Release Home Equity Buy to Let Mortgage Self-Build Mortgage Expat Mortgage

Couple sitting on floor beside frame and laughing

Step onto the property ladder

First Time Buyer

Expert support and access to exclusive schemes like Help to Buy and the First Home Scheme. We’ll guide you through every step — from approval to moving in.