Switch Mortgage

Switch mortgage to reduce your mortgage repayments saving thousands and cut years from your mortgage term at the same time. We make switching easy.

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3 important benefits to switching your mortgage

Before you change your mortgage rate, make sure you know these essentials to ensure the lowest repayment rate in Ireland.

90% Max LTV

You can switch up to 90% of the value of the property you want to switch mortgage on to your new lender.

Reduced Term

As well as lower payments you can also have the option to reduce the years on your mortgage payment schedule.

BER Rate Discounts

For specific BER home energy ratings in 2025 some lenders are offering special reduced interest rates.

Application Process

Fast track your switcher mortgage application

Get expert guidance every step of the way with a dedicated broker, making your mortgage approval process faster and stress-free.

Get Approval in Principle

"Paul was invaluable not only for securing the right loan offer but also for our peace of mind"

Jeff McCabe
Broker Benefits

Compare all Irish lenders for the best repayment terms

Working with multiple Irish lenders to find the most competitive rates and flexible repayment options, tailored to suit your needs.

With

Top Mortgages
  • Wide Range of Products
    Home loans & mortgage protection insurance
  • Personalized Service
    Unbiased financial advice tailored to your personal circumstances
  • Customized Solutions
    Self-employed, Expats & special cases welcome
  • Access to Exclusive Deals
    Mortgage rates & options not available direct from retail lenders
  • Expert Market Knowledge
    Every mortgage rate from all Irish lenders
vs

Traditional Mortgage Lender

  • Limited product range
  • Generic financial advice
  • Very limited loan solutions
  • Inflexible appointment times
  • Default bias to their products only
  • Frequent 'Computer-Sayes-No' attitude
  • No guarantee your getting the lowest rate
  • Single insurance option for mortgage protection
  • Averse to handling previous credit issues
  • Restrictive equity release & debt consolidation
Talk to a Mortgage Specialist

"We recently moved our mortgage and topped up for some home improvements. I'd highly recommend him."

Feena Flanagan
Frequently Asked Questions

Questions about switcher mortgages you didn't think to ask!

Truth is, you might have alot more questions and our experts can answer them all.

Yes, Switching mortgages is a good idea, especially if you’re nearing the end of your fixed term as the interest rate you roll onto may be higher but other lenders may be offering lower interest rates and repayment terms.

Switching mortgages with a new lender is called remortgaging, while switching deals with the same lender is a product transfer. Once complete, your new lender pays off your previous mortgage, transferring your debt to them.

If you're on a variable rate, you can typically switch at any time without penalties. However, switching from a fixed-rate mortgage may incur a breakage fee, which varies by lender.

Yes, you can switch your mortgage at any time to a new lender at any time but if you do it before the end of your fixed term, you may incur penalties through breakage fees.

Switching typically takes six to eight weeks, so if you’re on a fixed rate nearing the end of its term, plan ahead to avoid rolling onto a (potentially higher) variable rate.

There are no set rules to stop you switching as often as you like but most banks won't switch mortgages less than a year old.

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