Switch your mortgage. Stop overpaying.
We review your current mortgage, compare the market and help you move to a better rate at no cost to you.
Not sure where to start? Book a free call
We can help if...
- Your fixed rate ends in the next 6–12 months.
- You haven’t reviewed your rate in years.
- You want to borrow extra for renovations.
- You want to reduce monthly payments.
- You are looking at consolidating debt.
We work with all major lenders in Ireland to secure the best mortgage rate for you.
How we work
Working with IMC is really simple, from a quick call to final approval, we’re there to guide you
Initial assessment
We’ll review your existing mortgage and documents
Formal Assessment
We’ll give you tailored advice based on the most up-to-date rates
Property Assessment
A valuation is completed on your property identifying the best rate based on this assessment
Switch complete
After the legal fees and breakage fees (if any) are paid off, your switch will be complete
Why people switch
We are Ireland’s largest and oldest mortgage broker over the last 36 years so we know a thing or two about mortgages. We’ll assess your existing mortgage and explore the best rates and deals on the market that would be ideal for you.
Lower monthly repayments
In the vast majority of cases where switching is recommended, a typical mortgage switcher in Ireland can save around €2,400 in the first year alone by moving to a more competitive rate.
Overpayment
Overpayment means paying more than your required monthly mortgage repayment, either regularly or in a lump sum to reduce your term or reduce the total interest you pay over the term.
Cashback offers that can offset legal fees
Cashback offers can give you a real financial boost when switching. This can be used to offset upfront costs, i.e. legal fees, valuation, small renovations, etc.
Funding improvements
A more competitive mortgage rate that results in lower monthly repayments can fund renovation projects you’ve put on the long finger, appliance upgrades or even general furnishing.
DIGITAL MORTGAGE PORTAL
Your mortgage at
your fingertips
A fully digital mortgage portal, with real people behind it.
Track your application in one place, in real time, while an expert IMC advisor:
- Guides you from first chat to keys
- Works to secure the best available rate for you
- Handles the communication with both lenders and your solicitor so you can have peace of mind
36+ years and counting
We have an excellent rating on Google & Trustindex and Access to all main lenders and best available rates.
Read some of the reviews we’ve received from satisfied homeowners nationwide.
Answers to common first time buyer questions?
You can talk to any of our mortgage advisors for advice for free and unbiased information or take a look at our faqs
What is switching?
Switching is when you move your existing mortgage from your current lender to a new lender (or sometimes a new product with the same lender) to get a better rate, deal, terms or features without changing home.
How much can I save if I switch my mortgage?
Savings depend on your balance, rate and remaining term, but Irish data suggests a typical switcher can save from around €2,400 a year on a modest rate improvement, and in some cases up to €7,500+ a year where the gap between old and new rates is larger.
“Is there a breakage cost if I switch from my existing lender?”
If you’re on a variable rate, there is usually no break fee, so you can switch at any time (subject to the usual costs). If you’re on a fixed rate, you may have to pay a breakage (early repayment) fee, which can be small or “hefty” depending on your lender, how long is left on the fix and where market rates are when you switch.
How much does it cost to switch my mortgage?
Typical out‑of‑pocket costs are mainly legal fees and a valuation, which together often come to roughly €1,500–€2,000 including VAT, though some lenders offer cashback that can cover or offset these costs. You should always weigh these once‑off costs against the annual saving on your new rate to see if switching makes financial sense over the period you expect to stay on that mortgage.
What is overpay in terms of mortgages?
Overpaying means paying more than your required monthly mortgage repayment (or making extra lump‑sum payments) so you clear the loan faster and pay less total interest over time. Many variable‑rate mortgages allow unlimited overpayments, while fixed‑rate loans often allow only limited penalty‑free overpayments, so it’s important to check your own lender’s rules before you start.
Insights, tips and guidance
Costs, cashback, break fees and all other mortgage switching jargon explained.
If you haven’t reviewed your mortgage in years, you’re probably overpaying
If you would like to understand your options and see whether switching is worth it for you, speak with us today and we will be glad to guide you through the process.
Debt consolidation warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.
Incentives offered warning: You should consider the total cost of a mortgage loan, including any potential additional cost of an incentive offered with it.
You should consider the total cost of a mortgage loan.
For more information on switching please find attached the link to Competition Consumer Protection Commission: https://www.ccpc.ie/consumers/money/mortgages/switching-lenders-or-mortgage/
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WARNINGS
If you do not keep up your repayments, you may lose your home.
If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
The payment rates on this housing loan may be adjusted by the Lender from time to time.
Your interest rate may increase and the amount of your mortgage repayments may increase as a result.
You may have to pay charges if you pay off a fixed rate loan early.
The entire amount that you have borrowed will still be outstanding at the end of the interest only period.
You should consider the total cost of a mortgage loan, including any potential additional cost of an incentive offered with it.