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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.
6 mins to complete, no obligation
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.
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.
Complete our online fact check
1Fill out a quick online form with basic details, including the type of mortgage you need, how much you want to borrow, and your income figures.
Get assigned a personal broker
2We’ll assign you a dedicated broker who will be your main contact throughout the process, answering any questions and helping you choose the best home loan option.
Review the documents needed
3We’ll arrange a call at your convenience to go over the documents you’ll need to provide, such as payslips, bank statements, and ID.
We submit your application
4Once your paperwork is reviewed and you’re happy with the mortgage package, we’ll submit your application to the lender and keep you updated on its progress.
Draw down your mortgage
5When your mortgage is approved, we’ll guide you through the final steps of drawing down the funds to purchase your new home.
"Paul was invaluable not only for securing the right loan offer but also for our peace of mind"

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
- Wide Range of ProductsHome loans & mortgage protection insurance
- Personalized ServiceUnbiased financial advice tailored to your personal circumstances
- Customized SolutionsSelf-employed, Expats & special cases welcome
- Access to Exclusive DealsMortgage rates & options not available direct from retail lenders
- Expert Market KnowledgeEvery mortgage rate from all Irish lenders
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
"We recently moved our mortgage and topped up for some home improvements. I'd highly recommend him."
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.
Is switching mortgages a good idea?
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.
How does a mortgage switch work?
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.
Is there a penalty for switching mortgage?
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.
Can I switch my mortgage at any time?
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.
How long does a mortgage switch take?
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.
How often can you switch mortgages?
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.
Stay in the know with our guides
Empower yourself with the knowledge to make smart financial decisions. Our switcher mortgage guides are designed to educate and give you the confidence to navigate the mortgage process like a pro.