Make your next move your best one.
Whether you’re trading up, trading down or relocating, we’ll structure the right mortgage move for you at no cost to you.
Not sure where to start? Book a free call
We can help if...
- Your family is growing so you need a bigger home
- You're looking to downsize your home to fit your needs
- You're relocating for work or lifestyle
- You're considering keeping your current home as an investment property
We work with all major lenders in Ireland to secure the best mortgage rate for you.
How we work
Working with IMC is really simple, from a quick call to final approval, we’re there to guide you
Initial assessment
We’ll assist with documents research and advise
Formal Assessment
We’ll prepare and submit your application
Mortgage protection
We’ll help you protect your investment
Loan offer
We’ll help you understand your loan offer in plain English
Mortgage Cheque Issued
We’ll coordinate with your solicitor and lender to ensure your funds are released on time
Your options when moving
Whether you’re upgrading or downsizing, moving homes can be a busy and stressful time. Our specialized team of experts will navigate and simplify the complex mortgage process.
Sell your existing home and take out a new mortgage
In this scenario, your mortgage usually focuses on the next home, and the key factor is lining up the sale, purchase and finance, so the chain closes smoothly.
Keep your existing home and buy another
If you’re keeping your existing property and buying a new one, you’ll usually need to show you can support two properties financially, which means lenders will look closely at equity, rental income if relevant, and overall affordability.
Switch lender as part of moving
You can switch lender as part of moving, and many borrowers do if a better rate or cashback makes sense. It usually means a fresh mortgage application with the new lender, plus legal work and a valuation, so it can take a bit longer than simply moving your current mortgage.
DIGITAL MORTGAGE PORTAL
Why movers work with us
A fully digital mortgage portal, with real people behind it.
Track your application in one place, in real time, while an expert IMC advisor:
- Guides you from first chat to keys
- Works to secure the best available rate for you
- Handles the communication with both lenders and your solicitor so you can have peace of mind
Real savings, real clients
We have an excellent rating on Google & Trustindex and Access to all main lenders and best available rates.
Read some of the reviews we’ve received from satisfied homeowners nationwide.
Answers to common questions about moving
You can talk to any of our mortgage advisors for advice for free and unbiased information or take a look at our FAQs
Can I keep my current property and buy a new one?
You can keep your current home and buy a new one, often using a “let‑to‑buy” or buy‑to‑let approach. You’ll need to show you can afford both properties, and lenders will look at your equity, income and any expected rental income, and not all lenders offer let‑to‑buy or allow early repayment charges to be waived.
What if my current home hasn't sold yet?
You can still see properties and even get loan offer/mortgage approval before your sale completes. But you’ll need a plan for how to bridge the gap if your purchase and sale don’t line up. Some people arrange short‑term bridging finance, use existing savings, or negotiate a delayed completion; lenders will want clarity on how both mortgages can be covered if there’s a period where you owe on two properties.
What are the LTV/LTI rules for moving home?
If you’re taking on new borrowing to move up (e.g. a bigger loan), you must meet the Central Bank’s LTV and LTI limits for second/subsequent buyers: usually up to 3.5× gross income and 90% LTV (10% deposit), with some lenders able to exceed these limits for a small proportion of loans. If you’re simply switching your existing mortgage without increasing the loan, LTV and LTI limits generally do not apply, as you’re not taking on new borrowing beyond your existing balance.
What costs do I need to plan for when moving?
You should budget for stamp duty (usually 1% up to €1m, 2% above that), legal/conveyancing fees, valuation and survey costs, estate agent fees (when selling), and moving expenses. You’ll also need to account for Local Property Tax on your new home and, in some cases, possible Capital Gains Tax if you’re selling a property that isn’t your main residence.
Will I have to pay any additional fees when moving?
Common fees include stamp duty, legal fees, valuation/survey fees, and potentially early redemption charges or exit fees if you’re still in a fixed‑term deal when you pay off your current mortgage. If you’re porting (moving) your mortgage, you may still face early repayment charges if you’re changing the amount or breaking part of your deal.
Moving house insight and guidance
Costs, cashback, break fees and all other mortgage switching jargon explained.
Ready for your next chapter?
If you would like to understand your options and see whether switching is worth it for you, speak with us today and we will be glad to guide you through the process.
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WARNINGS
If you do not keep up your repayments, you may lose your home.
If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
The payment rates on this housing loan may be adjusted by the Lender from time to time.
Your interest rate may increase and the amount of your mortgage repayments may increase as a result.
You may have to pay charges if you pay off a fixed rate loan early.
The entire amount that you have borrowed will still be outstanding at the end of the interest only period.
You should consider the total cost of a mortgage loan, including any potential additional cost of an incentive offered with it.