Moving Home

Moving Home Mortgage.

Moving home mortgages provide flexible financing solutions for upsizing or downsizing, accommodating changes in housing needs at any stage of life. 

Getting a quote is the first step in your journey! Answer a few questions and wait for one of our Advisors to contact you!

How do I get started my moving homes mortgage process?

Securing a mortgage to move home involves several steps to ensure a smooth transition. First, assess your financial situation and determine how much you can afford to borrow based on your income, expenses, and savings. Next, research and compare mortgage options from different lenders to find the best terms and rates for your needs. Once you’ve chosen a mortgage, complete the application process, providing essential documents such as proof of income, employment history, and identification. Your lender will evaluate your application and conduct a credit check to determine your eligibility for the mortgage. Upon approval, you’ll work with solicitors and conveyancers to finalize the sale and transfer ownership of the property. Throughout the process, communicate regularly with your lender and seek guidance from professionals to navigate any challenges and ensure a successful home move. Getting a quote is the first step, as one of our expert award-winning advisors will contact you and guide you all the way. 


For your first mortgage, you will require a minimum of a 10% deposit. You may be eligible for the HTB incentive of up to €30,000.


You will require 6 months of pay-slips and bank statements to apply for your Mortgage online.


Once your lender has approved your loan, you get an AIP (Approval In Principle) and you can make an offer on your new home.

Start your journey today. Take the first step to achieve all your financial goals.

Meet our Team of Expert Advisors

How is the process to apply for a moving home mortgage?

1. Enter your details

Your dedicated award-winning mortgage advisor will guide you through your application.

2. Digital Application

Log in to your digital application portal and upload all documents required. You can even sign digitally to make the process even easier and hassle-free.

3. Approval

Check your application’s status at your convenience. Indicative Approval in 72 hours after assessment.

Watch our online system in action

Watch how seamless and straight-forward Applying for your first mortgage is. In under 10 minutes you can complete your application. All with guided assistance from your very own dedicated Mortgage advisor.

Want to get started with your first mortgage? Need more advice?

Google Reviews

I spoke with Colin Bailey who was extremely pleasant and helpful from start to finish on getting my mortgage protection policy renewed. Colin was a gentleman and gave excellent advise throughout the process. Would highly recommend. 5 stars.
We spoke with Richard about our mortgage protection. He was very helpful and made the process clear & simple. Very happy with the service.
Myself and my partner just spoke to Richard Westman for mortgage protection he was absolutely brilliant to deal with and talked us through the process so effortlessly! It was so quick and easy
Low Quotes were a great help and partner on my journey of getting a mortgage in Ireland. As a non-Irish citizen, Bernadine was great in answering questions and talking me through the process here in Ireland. Even answering questions and offering advice in general on purchasing a property in Ireland. I highly recommend them to help you on your mortgage journey.
We recently dealt with Richard Westman for our mortgage insurance.LowQuuotes should be honored to have such a fantastic staff member. He made the whole process so easy. He was so professional and friendly a delight to deal with. I would recommend anyone to deal with Richard or LowQuotes 10 out of 10.
Cannot recommend our mortgage broker Bernadine enough. It’s been a pleasure to deal with her, she has a wealth of knowledge, so informative and prompt with a response to any question. She made sure the entire process ran to completion. I would happily recommend her services to any friends or family.
We had the pleasure of working with Richard to secure our mortgage protection, and we couldn't be happier with the experience. Richard went above and beyond to ensure that we not only found the right coverage but also understood every step of the process.His kindness, calm demeanor, and attentive listening skills truly set him apart. Richard was there every step of the way, patiently assisting us and addressing any concerns or questions we had. His dedication to his clients is evident, and it made all the difference for us during what could have been a stressful time.We highly recommend Richard to anyone in need of mortgage protection or any other financial services. Thank you, Richard, for your outstanding service and for making this process a breeze!
Fantastic service from our broker Bernadine. She made the process of getting a mortgage easy and stress free. We would have struggled by ourselves as our house was not a straight forward buy. Highly recommend

Your Questions Answered

The most common maximum borrowing amount is 3.5x your annual gross salary (Some exceptions may apply). This is based on a single income application. If it is a dual application it is 3.5x both annual salaries combined.

Before you apply for your Mortgage, you are required to have 10% of the loan value of the property.

For example, If you require a Mortgage of €200,000 – You would require a deposit of €20,000.

With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between you and the lender.

This is a percentage figure which represents the difference between your mortgage loan and the value of your property. For example if your mortgage is €100,000 on a property valued at €200,000, your LTV rate would be 50%.

LTI is your Loan to Income rate, generally you are allowed to borrow 3.5x your annual income before tax. Some exceptions may apply.

Variable rates allow you to increase your re-payments, you can also use a lump sum to pay off all or part of your mortgage, or re-mortgage without having to pay any fixed rate breaking fees. However, variable rates can rise and fall meaning your mortgage repayments can go up or down during your Mortgage term.

This is the amount you owe excluding costs and interest. This is also known as the “Principal” of your loan.

This is when you are given an indication of approval from our first discussion with you, without having to see any documentation. This is not guaranteed approval.

The date the mortgage must be repaid in full, or by which a new agreement needs to be taken out.

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Here at LowQuotes, we want to ensure that our customers achieve all their financial goals, no matter what stage of life they are at.  If you have a passion for connecting with people and aspire to thrive in a culture built on trust, integrity, dedication, and excellence, this could be the perfect fit. 

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at hope you, your family and your loved ones stay safe & healthy in this time.