Whether your fixed rate is ending or you’re just paying too much, now’s a great time to review your mortgage. We’ll compare your options, handle the paperwork, and help you make the switch stress-free.
Check when your fixed rate ends or if you’re on a standard variable rate. Don’t worry, if you’re not sure, we’ll help you find out.
We’ll compare mortgage deals across the market and show you if switching could save you money or allow you to borrow more.
Once you’re happy with your new deal, we’ll secure a mortgage approval so you know how much you can switch or top up.
We’ll help you through the paperwork — including valuations and solicitor steps, and keep things moving with your lender.
Your new mortgage kicks in, your old one is paid off, and you start seeing the difference in your monthly repayments.
A clear explanation of when breakage fees apply, the points in your term when they don’t, and the signs it might be time to switch.
A quick guide to how top-ups work, what lenders review, and when you might be able to borrow a little extra.
A simple breakdown of the typical costs involved in switching your mortgage in Ireland, so you can plan with no surprises.
Yes - but it depends on your current mortgage type. If you're on a fixed-rate mortgage, you may face early repayment charges. These can vary by lender and remaining term. If you're on a variable rate, switching is usually penalty-free. Our advisors will help you check your current terms and calculate any costs.
To switch your mortgage, you’ll typically need:
Our team will guide you through the full checklist and help prepare your application.
Yes, many lenders allow you to increase your loan when switching - for home improvements, debt consolidation, or other needs. This is subject to affordability checks and your property's value. Our brokers will help you explore top-up options across multiple lenders.
The switching process usually takes 4 to 8 weeks, depending on your lender, solicitor, and how quickly documents are submitted. Having your paperwork ready and working with an experienced broker can speed things up.
Yes, this is called a rate switch or product transfer. You may be able to move to a lower interest rate without changing lender or going through a full application. However, switching to a new lender often unlocks better deals. We'll compare both options for you.
24/7 Begin your application now, complete it in your own time, we save your application progress.
You can choose to meet either virtually or in person, at a time that is most convenient for you.
Send us a message or call us now on 01 6431402, Mon - Fri 9am - 5pm