Remortgage
Sep 17, 2008
4 min read
Why Remortgage? The Three Main Reasons Irish Homeowners Switch
Cheaper rates, debt consolidation, and home improvements — the three most common reasons homeowners choose to remortgage.
Read More
Smarter Refinancing
Take control of
your mortgage.
Turn your home's value into opportunity. Switch to a better rate, shorten your term, or unlock equity — without the hassle.
Join 2,400+ homeowners saving on their mortgage
Average monthly saving
€118 / month
Everything you need, in one place
We've simplified the refinancing process into three transparent steps. Save money and time with our streamlined digital experience.
Step 01
The Remortgaging Process
A step-by-step guide to switching your mortgage — what to expect, what it costs, and how long it takes.
Read the guide
Estimate
Compare
Switch
Smarter Refinancing
Don't overpay on your mortgage.
Refinance to secure a better rate, shorten your term, or access smarter options — all without the hassle.
Compare Rates
Compare your current repayment against the best new rates instantly.
Compare your current repayment against the best new rates instantly.
Seamless Switch
Switch lenders completely online without the usual hassle.
Switch lenders completely online without the usual hassle.
Save Money
We pass our cost efficiencies back to you through lower costs.
We pass our cost efficiencies back to you through lower costs.
Real-time Tracking
Track progress and approvals in real time through our portal.
Track progress and approvals in real time through our portal.
Costs & Timing
Remortgage Costs
and Timing
We constantly monitor the remortgages on offer to ensure we can meet your remortgaging requirements. Review our switch and save calculator to see what direct savings you can make on rates.
If you want to talk to an advisor about remortgaging, please get in touch or go directly to our remortgage application portal.
90% LTV Limit
The upper limit on remortgages is 90% of the value of your property.
~€1,000 Legal Costs
Budget for around €1,000 for legal costs — usually covered by cash incentives from the new lender.
€180 Valuation Fee
A valuation fee of €180 is payable before a loan offer is issued, typically covered by lender incentives.
Life Insurance Required
You must have life insurance to the value and term of your new mortgage in place prior to drawdown. We can help.
Redemption Penalties
Breaking a fixed rate may trigger redemption penalties. Check with your current lender before switching.
Approx. 4 Weeks
The remortgage process can normally be completed in approximately four weeks from application.
/ ToolsCalculators
Calculators
for refinancing.
Know exactly what you stand to save before you switch. Four tools, one decision.
Fast & Simple
Apply in minutes
Forget everything you know about mortgages. Our streamlined digital process unlocks your potential, delivering faster approvals and better rates without the paperwork headache.
UUU
30,000+Happy Homeowners
Stay Informed
Remortgaging Insights & Advice
View All NewsReal guidance on switching, fixed vs. variable rates, costs, and timing — everything you need to know before you remortgage.
Remortgage
Mar 6, 2008
4 min read
Fixed vs. Variable: Choosing the Right Rate Type When You Remortgage
Roughly 70% of Irish mortgages are variable rate. Here's how to decide which type is right for you when switching.
Read More
Remortgage
Sep 19, 2008
4 min read
Remortgage Costs and Timing: What to Budget For
From valuation fees to legal costs and redemption penalties — here's a realistic breakdown of what a remortgage actually costs, and how long it takes.
Read More
Guides
Sep 23, 2020
3 min read
Mortgage Approval Timescales: How Long Does It Take?
From gathering documents to closing the deal — here's a realistic timeline for getting a mortgage approved and drawn down in Ireland.
Read More
/ QuestionsGot Questions?
Got Questions?
We've got answers.
Common questions about switching your mortgage.
4.9 / 5
Average Client Rating
01
How much can I save?
A typical monthly saving on a €250,000 mortgage may be as follows: House value €500,000 Mortgage €250,000 · rate 4.5% Term remaining 25 years Monthly savings on new rate 3.65%: €118 Annual savings €1,416.
02
What costs are involved in switching my mortgage?
03
How long does the process take?
04
Where do I start?
05
Will I qualify to switch my mortgage to a better value provider?
06
What documentation do I need to switch my mortgage?
07
Will I save money by remortgaging?
08
Will my bank charge me a break fee if I want to switch my mortgage?
09
What should I do if I have loan or mortgage arrears?
10
Should I stay with my own Bank?
Still have questions? Our advisors are ready to help.
Talk to an Advisor