Trading Up Mortgage

Move house with a trading up mortgage is the right way to trade up to a bigger property and discover the benefits of our mortgage broker experience on your journey.

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Buying a bigger house

You have already made that first step onto the property ladder, but now you need a trading up mortgage.Your ready to take that next step and move onto bigger and better things. Maybe you need a larger home for your growing family or just wish to move to a better area. Top Mortgages make it easy.

Mortgage Approval

Trading Up Mortgage Application

You'll need pay slips from your employer and bank statements from the last 6 months .
Trading Up Mortgage

Buying your larger house

Once your lender approves your home loan you can make an offer on your next home.

Mortgage calculator for trading up mortgage

Find out how much trading up your mortgage would cost with a quick quote below using our online mortgage calculator. The form is quick to complete and you get a price within seconds!

Your Mortgage Results

Based on the details provided, you could avail of a mortgage of up to:

Mortgage amount


Monthly repayments


Minimum deposit


Max mortgage allowed


FAQ's for trading up your mortgage

We explain the most common jargon terms used when talking about a trading up mortgage in plain simple to understand language.

The normal maximum borrowing level is 3.5 times your annual gross income based on a single income application.

LTV is short for Loan to Value. This is the amount of money you can borrow based on the asking price of the property.

A trading up home buyer can borrow up to 80% of the value of a property .

AIP is short for Approval in Principle.

Its a non legally binding opinion from our first conversation about your finances to give you an indication of how much you might be able to borrow for a property.

The standard variable rate is the main mortgage rate charged by your lender. It is the long term rate of interest that your mortgage will switch to once your introductory fixed rate period has ended.

A variable rate mortgage means your monthly repayments can go up aswell as down based on European interest rates and your mortgage lender.

Benefits Of using a mortgage broker

Applying for a mortgage designed specifically for moving house is now simpler than ever. In such circumstances, you will need what is called a Trading Up Mortgage. We are here to help take the stress and hassle out of financial arrangements for your Trading Up Mortgage.

Best Interest Rates
on Trading Up Mortgage

Whilst you get on with getting ready to move house, our mortgage advisors will carry out all the hard work by contacting our network of providers to get you the most competitive mortgage rates available on the Irish market based on your personal needs. Moreover, we will go beyond the ‘call of duty’ of simply just getting your application approved.

In the existing lending market, getting provisional approval in place before you start looking elsewhere has never been more vital. This is where our team of highly qualified mortgage brokers come in, as they will take the stress and hassle out of your financial arrangements to find the best deals.

Even if you don’t need to borrow more, our expert advisors will work to find you a mortgage that suits your new circumstances.

Single Point of Contact

Single Contact Point

One mortgage broker will deal with you from start to finish
Mortgage Application

Legal Paperwork

Expert on the paperwork needed for moving house
Mortgage Advisor Approved


Over 10 years experience approving trading up mortgage applications

Trading Up Mortgage Guides

Stay informed with our mortgage guides on how to select the best mortgage when your trading up that's right for you and your financial options.