The Remortgage Process

We all like saving money. 

Paying less for your mortgage is one of the best ways to save money.

There are a range of terms used to describe the process of changing your mortgage. They include switching, refinance or re-mortgaging.

The reasons for switching mortgage include:

  • You want a lower rate
  • You want to switch to a lender who offers greater choice on fixed rates with fixed term ranging from 3 to 30 years
  • You want to move to a new lender of your choice, because your existing lender is leaving the market
  • You would like to release some equity from your house for home improvements


How do I start my switch application?
Please complete this brief enquiry form and we will review the information an get  back to you to arrange a consultation with your mortgage consultant.

Enquiry form
Why use to switch my mortgage?
We provide a no nonsense professional and friendly service,
We have over 25 years experience in arranging mortgages.
Our lenders offer the best value mortgages in Ireland.
Our mortgage switching service is free.

How long does the switch take?
If you are well organised and have up to date financial and banking information you should be able to switch within two months.
Is there an arrangement fee payable for switching?
  • We do not charge arrangement fees
Is it a good time to switch my mortgage?
If you are paying too much for your mortgage and you have well managed finances and secure income, you should switch.
Interest rates are expected to rise ( July 2022) and in these circumstances it is a good idea to fix your mortgage.
If your lender is not offering competitive fixed rates you should switch to a lender offering better value. 

What costs are involved in switching your mortgage?
Legal fees - budget €1,500
Valuation fees- Budget €180

How Much can I borrow?
Your borrowing limit will be the amount due on your existing mortgage and the amount should not be more than 3.5 times your Gross Salary.

You can release equity for home improvements provided the new mortgage is within the 3.5 times limit and the loan to value, after the equity release is 80% or less. Normal expenditure limits are in the region of €75,000.
What information do I need to provide?
  • Completed online application using our mortgage portal
  • Current income information including a salary cert and pay slips
  • Bank statements for 6 months for your bank accounts and credit cards
Can i switch if I have a poor credit history?
If you have a poor credit history you will not be able to switch mortgage