— I’m —

Moving home

Book a mortgage meeting

We’re here to help you find your perfect next home

Are you thinking of a second home that matches your current lifestyle or feeling that you’ve outgrown your first home – mentally, spiritually, or quite literally? It’s probably been a while since you’ve gone through the mortgage process and you’re not quite sure what to expect this time round. Get the ball rolling by reading our second time buyer guide. Our Mortgage Advisors would be happy to meet for a relaxed chat (and a cup of tea) whenever suits you. 

Up to 3% cash back

We offer home movers up to 3% back in cash. That’s 2% of the value of your new mortgage up front and 1% in five years

How it works

Green 4 year fixed rate mortgage

Get a lower rate of interest if you are buying a high energy rated home

Find out more

Three months free home insurance

Offer applies to new policies that start on or after April 1st, 2024. Click “Find out more” for Offer terms

Find out more

Let’s help get you moved into your new home

See how much you could borrow

User our calculator to figure out how much you can comfortably borrow and afford to repay each much

Speak to our mortgage advisors

Book an appointment with one of our mortgage advisors who will help you navigate the application process

Get your approval in principle

This will give you a good idea of how much you can borrow towards buying your new home. Generally, this will last up to 6 months

Fixed or variable rates?

All our rates explained and broken down here

Find out more
— FAQ —

Got some questions?

You can ask us whatever you want to know about mortgages 

Things may have changed since you last got your mortgage – Central Bank Rules will now come into play, for instance. So how much you can borrow will be based on your income, your house price, and what you can afford.

You can borrow a maximum of 90% of the value of the property (this percentage is known as the LTV, or Loan to Value of your home). Yep, that means you’ll need a 10% deposit.

The amount you can borrow also depends on what you can comfortably afford to repay monthly, this typically shouldn’t exceed 35% of your disposable income. It’s that comfort cushion. Why not use our mortgage calculator to see what you can afford?

We take it you’re familiar with either a fixed or variable mortgage interest rate at this stage.

But times have changed – and rates have changed along with them. You can see a full listing of our variable and fixed interest rates here, and our mortgage advisors would be more than happy to guide you.

If you take out a mortgage with a fixed rate of at least one year and decide to repay all or part of it early, if you change to a variable interest rate, or, if you change to another fixed interest rate, we may charge you an early breakage fee. You can find information about how we calculate and when we charge this early breakage charge by clicking on Mortgages Regulatory Information and then selecting ‘Our mortgage interest rate options’.

When you buy your new home, you may also need cash to fund additional costs such as:

  • Valuation fee (you will need to use a valuer from the EBS Residential Mortgage Valuers panel)

  • Legal fees for your solicitor 

  • Surveyor fees to look over the house before you buy 

  • Stamp duty. Log on to revenue.ie for the latest stamp duty rates

  • Possible repairs and decoration costs on your new home

  • Storage & moving fees.

Need more support?

Need to talk to us?

Speak to your local mortgage advisor about your next move

Book an appointment
Regulatory Information
  • Lending criteria, terms and conditions apply. Over 18s only. Security may be required.
  • 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: The cost of your monthly repayments may increase.
  • 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, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.