Mortgages for Home Movers

At Bank of Ireland for Intermediaries, we understand that moving home can be a big step - whether it’s upsizing, downsizing, or relocating. That’s why we offer a flexible range of mortgage solutions designed to support home movers at every stage of their journey.

Why choose us for your home mover clients?

Wide product choice

• A range of fixed and variable rate residential mortgages for purchases and remortgages - up to 95% LTV.

Incentives that add value

• Including cashback options and standard legal fees paid by us on selected products.

Offer flexibility

• Our mortgage offers are valid for 6 months, with the option to extend for another 6 months (subject to reassessment and revaluation).

Product switching

• If rates improve before completion, your client can switch to a new product from our current range (time limits apply, see our FAQs).

Property types

• We lend on a wide range of property types and constructions.

Bespoke solutions for complex home mover cases

If your client has non-standard income, complex liabilities, or unique borrowing needs, our Bespoke range could be the answer.

• Up to 90% LTV for Residential
• Consideration of future income or recent employment changes
• Alternative income evidence accepted
• Dedicated underwriter from AIP to completion.

Find out more about Bespoke

First Start – Extra support when it’s needed most

First Start helps boost affordability by combining the income of your client with that of a sponsor (typically a parent or close relative). Ideal for:

• Home movers returning to the market after a break
• Those buying solo after a change in personal circumstances
• Clients needing additional support to remortgage or purchase.

Key criteria:

• Up to 95% LTV
• Max loan of £500,000
• Sponsor must earn £30,000+ and be under 60 at point of application
• Applicants must not own another property at completion.

Find out more about First Start

New Build? No problem.

We support home movers purchasing new build properties with:

• Up to 90% LTV for houses and 85% for flats
• 9 month offer validity (with potential 6 month extension)
• Revaluation flexibility if the offer expires.

See more about New Builds