Switching your mortgage

Switching your mortgage can save you thousands of Euros in interest. over time this can reduce your repayments or reduce the remaining term of the mortgage. You could be mortgage free quicker than you think!

This will depend on your current mortgage offering. Lender offerings have become much more complex with cashback offerings, Green mortgage rate etc. Let us help you work though these and find the best options to suit you. We can compare mortgage offerings in the market and give you a report on what you savings will be and then help you chose the best option based on your overall circumstances.

You will need to pay for a mortgage valuation and the legal fees to your solicitor in switching lenders. Some banks offer incentives to cover the costs of switching which can can assess for you. 

We have an exclusive offer from our partner legal firm ‘quickmove’ offering legal fees of just €100 (subject to t&c’s) saving you over €1,000 on your switch. Note this offer is limited to 5 eligible switchers each month and other t&c’s. Contact us to get further info. 

Yes – Most homeowners assume that releasing equity from their home requires them to justify what the money is for, document quotes for renovations, or prove the purpose of the funds. They don’t realise that several lenders allow general-use equity release with no documented purpose required. Note this approach may not be available from all lenders and it should only be considered following a full fact find exercise and consultation with one of our experienced financial advisers before you make a final supported decision.

We manage the entire process to ensure that it is completed as quickly as possible. Typically it can take as quickly as 6-8 weeks from application to funds issue.

We will require income, banking and identification documents however we will provide you with a full list of documents and a secure facility to upload all of your documents. Our portal is very intuitive and creates bespoke requirements per applicant so that the process could not be simpler for you.

If you wish to switch lenders then unfortunately, yes you will lose your tracker. We can advise you regarding the various offerings and help you to decide if loosing your tracker is worth it. The advise will be based on your overall financial circumstances and needs.

You need to check your eligability via the link on our our website to allow us assess your suitability to switch and calculate the benefits and options.

Yes, we have a panel of solicitors we work with regularly that we can refer you to. They will offer you a guaranteed quote an a speedy and efficient service.

We also have an exclusive offer from our partner legal firm ‘quickmove’ offering legal fees of just €100 (subject to t&c’s) saving you over €1,000 on your switch. Note this offer is limited to 5 eligible switchers each month and other t&c’s. Contact us to get further info.