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0345 266 8928*

*Lines are open 9am – 5pm Mon to Fri. Calls may be recorded for training and monitoring purposes. Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.

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Product transfer

Is your customer looking to transfer their mortgage rate?

Apply to transfer online in minutes and we'll send you and your customer an offer within five working days.

Product transfer

If your customer is looking to transfer their rate, check out our existing customer range.

View our products

Get in touch

Speak to our team for online support, case updates or any other business enquiries.

0345 266 8928* Lines are open 8.30am - 6pm Mon to Fri.

Get in touch

How does it work?

If you or your firm introduced your customer's current mortgage after June 2014, you can apply to transfer their product online using the form below.

To make it even easier, you can book a product transfer up to three months early. Your customer's new interest rate will start on the expiry of their promotional period.

If you or your firm didn’t introduce the current mortgage or the mortgage started before June 2014, you'll need to call us on 0345 266 8928* to check eligibility.

Why transfer?

  • Products available with no Product Fee
  • No legal fees
  • No Valuation Fee
  • No paperwork. The application can progress straight to offer
  • Quick and easy. We’ll send you and your customer an offer within five working days
  • Early booking up to three months before the end of your customer's promotional period
  • No proof of income needed
  • Plus, you receive a proc fee.

What do you need to do?

  1. Make sure you’re registered and able to submit business with Post Office for Intermediaries so we can verify you. Check our distribution page for more information
  2. Check your customer has a mortgage with Post Office Money® or Post Office for Intermediaries. Your customer may have a Bank of Ireland branded mortgage document, but they’ll need to have applied through Post Office originally and not Bank of Ireland. Please call us to check on 0345 266 8928*
  3. Check that you or your firm introduced the current mortgage after June 2014. You'll need to call our enquiry line on 0345 266 8928* if you or your firm didn’t introduce the current mortgage after June 2014 or the mortgage started before June 2014
  4. Take a look at our existing customer product range
  5. Apply online now by clicking on the relevant link below
  6. Complete and submit the online form
  7. We'll then post a copy of the Offer to you and your customer
  8. The Offer is valid for 30 days. Your customer will need to sign and return the Offer within 30 days to secure the rate.

You can produce a Mortgage Illustration yourself from your sourcing system. But, if you'd like us to do this for you, just complete a Mortgage Illustration Request Form and fax it back to us. We'll email the Illustration back to you within two working days. Just remember that you'll need to apply after you've received the illustration.

Alternatively, you can apply now and use the mortgage offer for your illustration compliance purposes.

If you have any questions call us on 0345 266 8928*.

 

Variation of Mortgage application form

You can apply for a product transfer if:

  • Your customer’s account number starts 80 and is ten digits
  • Your customer is applying for a product from the same brand they initially applied through
  • The mortgage amount, term and repayment method are staying the same
  • You only need one offer and do not require a revaluation of the property
  • The mortgage is outside any Early Repayment Charge (ERC) period, or has three months or less remaining on the ERC period
  • Your customer is residing in the property, unless in the armed forces
  • Your customer is not in arrears or in a concessionary period on their mortgage
  • The remaining mortgage term exceeds the chosen product by at least six months.

Things you need to know:

Fees:  Product transfer fees cannot be added to the loan and will need to be paid before completion.

Loan to Value (LTV): We use a house price index to verify LTV. Your customer may not qualify for the product chosen if we find that the LTV is different. Revaluations are available on request; these are subject to a fee. Please call us for further information.

Offer: The offer is valid for 30 days. Your customer will need to sign and return the offer within this time to secure the rate.

Effective from: If we receive your customer's signed acceptance, together with all other requirements if requested by us:

  • Before the 19th of the month we will apply the new rate for the 1st of the following month (or the month after their current product expires if this is later).  
  • On or after the 19th of the month we won’t be able to guarantee the new rate will start from the 1st of the following month. We will make every effort to do so but it may not take effect until a month later, for example if we receive the acceptance on 28th July it may not take effect until 1st September. 
  • We will write to your customer to confirm their new monthly payment and the date from which the new rate is effective.

I confirm I have read and understood the above

Continue

Variation of Mortgage application form

You can apply for a product transfer if:

  • Your customer’s account number starts 80 and is ten digits
  • Your customer is applying for a product from the same brand they initially applied through
  • The mortgage amount, term and repayment method are staying the same
  • You only need one offer and do not require a revaluation of the property
  • The mortgage is outside any Early Repayment Charge (ERC) period, or has three months or less remaining on the ERC period
  • Your customer is not residing in the property
  • Your customer is not in arrears or in a concessionary period on their mortgage
  • The remaining mortgage term exceeds the chosen product by at least six months.

Things you need to know:

Fees:  Product transfer fees cannot be added to the loan and will need to be paid before completion.

Loan to Value (LTV): We use a house price index to verify LTV. Your customer may not qualify for the product chosen if we find that the LTV is different. Revaluations are available on request; these are subject to a fee. Please call us for further information.

Offer: The offer is valid for 30 days. Your customer will need to sign and return the offer within this time to secure the rate.

Effective from: If we receive your customer's signed acceptance, together with all other requirements if requested by us:

  • Before the 19th of the month we will apply the new rate for the 1st of the following month (or the month after their current product expires if this is later).  
  • On or after the 19th of the month we won’t be able to guarantee the new rate will start from the 1st of the following month. We will make every effort to do so but it may not take effect until a month later, for example if we receive the acceptance on 28th July it may not take effect until 1st September. 
  • We will write to your customer to confirm their new monthly payment and the date from which the new rate is effective.

Product transfer

If your customer is looking to transfer their rate, check out our existing customer range.

View our products

Get in touch

Speak to our team for online support, case updates or any other business enquiries.

0345 266 8928* Lines are open 8.30am - 6pm Mon to Fri.

Get in touch

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