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Porting and moving

Is your customer thinking of moving?

Your customer could either:

Port their mortgage rate to the new property. Your customer can also apply to ‘top up’ from our Bank of Ireland for Intermediaries product range if they need to borrow more to purchase their new property (up to 90% LTV). 

All our mortgage rates are portable, subject to the terms and conditions of the original Mortgage Offer and our current lending criteria.

You are able to submit standard residential and standard Buy to Let cases. All non-standard cases (e.g. Help to Buy, sponsor on mortgage, a customer not residing in their residential mortgaged property) should be referred to our enquiry line on 0345 266 8928* prior to providing advice. 

or

Take out a brand new product. If your customer is not tied in, or is happy to pay any ERCs that apply, they can apply for one of our Bank of Ireland for Intermediaries products for their new property (current lending criteria applies). 

Help to Buy: Equity Loan and 95% LTV products are not available for either option when moving home.

What do you need to do?

Follow our 'Porting and Movers - How to guide' to help your customer port or move with Bank of Ireland for Intermediaries. And remember:

  • Check your customer has a mortgage with Bank of Ireland. Your customer may have a Bank of Ireland branded mortgage document, but they may have originally applied through one of our partner brands. Please call us to check on 0345 266 8928*
  • Make sure you’re registered with us and able to submit business with us
  • We must receive a full application for the new property (and rate if relevant) before the current mortgage is redeemed (ports only).

Porting and moving downloads

Porting and Movers - How to guide (pdf)
Mortgage Application Form - For existing customers (pdf)
Mortgage Illustration Request Form (pdf)

Change to your customers’ mortgage payment

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Following the Bank of England Base Rate (BBR) change announced on 11th March, if your customers have a mortgage with us that’s on our Standard Variable Rate or is linked to the BBR, their monthly payment will change from 1st of April 2020. They should have received a letter from us by now telling them how much their new monthly payment will be. We’ll write to them by 9th April if the BBR cut announced on 18th March also affects them.