The Remortgage Process


1. Apply on line and start saving today!

Unfortunately in Ireland, unlike many other countries, there is quite often a reluctance to switch lender. We have the same reluctance in switching our current accounts.

We do not charge fees for switching you to cheaper lender, The documentation may take a few days to assemble but when you are going to save money for many years to come, it is worth it.
A good first step is to pick up the phone and call us and we will run through the savings with you.

  • Our switch and save calculator will calculate savings on moving to a cheaper lender.
  • Our mortgage calculator. compares all new business rates offered by our lenders. Lenders generally offer better rates to new customers rather than their existing customers.
2. A professional mortgage consultant in your area will call you
Your consultant will tell you more about our firm, our services and our committment to customer service.
We will advise you on the documentation we need to support an application and we will arrange to meet you at a time and place convenient
for you.
At this meeting we will review your supporting information, discuss your options,select appropriate lenders and complete a formal application.
3. We submit your mortgage
Following your meeting we will submit your mortgage application to our targeted lenders. Decision from the chosen range of lenders are normally received within 3 to 5 days
We will agree a preferred lender and arrange for a valuation of your property. 
At this stage you will need to appoint a solicitor and we can provide you with a list of solicitors in your area from whom you should seek a quotation.
On receipt of the valuation and when any offer conditions are satisfied, we will instruct the lender to issue a formal loan offer letter.
Your solicitor and mortgages.ie will advise you in regard to the contents of the letter prior to signing.
4. Insurances and completion

Before completion we will discuss with you any insurance requirements and arrange to have these in place prior to cheque issue. We act as brokers to 6 of Ireland's largest insurance companies and we can provide you with quotations for both home and life insurance.

We will maintain contact with the lender to ensure that the remortgage cheque is issued as quickly as possible and that an loan conditions are met.
The process from meeting to cheque issue normally takes approximately three weeks to complete.